What Is Employee Supplemental Term Life Insurance? 
Employee supplemental term life insurance is exactly what it sounds like . It 's a Term life policy that the employer buys as a benefit for the employee . It 's supplemental in that it is n't intended to be the `` main '' life insurance for the employee . That is - it 's typically only about a $ 10,000 death benefit policy . And as a Term policy it is usually an annually renewable as long as you remain an employee . Term policies always have an expiration date . 