What Is Employee Supplemental Life Insurance? 
There are many forms of supplemental life insurance . The previous answer touches on the most common form - policies that allow employees to buy up from the group master contract . Sometimes the policies are convertible to an individual policy if the employee separates from the employer , sometimes not . There are other forms that do not require an employer contribution . If enough employees choose to participate those with pre-existing conditions can purchase a policy through payroll deduction without the need to answer medical questions , or take a medical exam . These supplemental policies are almost always portable . 