What Is Employee Supplemental Term Life Insurance? 
Employee supplemental term life insurance is a provision to purchase more term life insurance through your group life insurance plan . Usually the employer will pay for a certain amount of group term life on the employee and the supplemental allows the employee to purchase additional face amount at the employee cost . While group term life is a nice perk from an employer a healthy employee can purchase term life insurance on their own at a more affordable rate and they own the policy . As Ted mentioned , if you leave the company you lose your coverage . Whereas if you purchase your own term life policy no one can take that coverage away from you unless you stop paying premiums or the term expires . It is much more sound protection plan . If you are unhealthy and can not qualify for affordable term life insurance , then supplemental term life can be the temporary answer to a prayer of having enough life insurance protection for your loved ones . Contact an independent life insurance broker in order to properly weigh your options . 