How Does Voluntary Life Insurance Work? 
Voluntary life insurance is coverage that you purchase at work , and pay for using a payroll deduction . You can only make post tax deductions for these programs . It is different than group coverage that is paid by your employer , and individual policies you might buy directly from an agent . The primary advantage is access . The underwriting criteria may be more lenient , and you may have access to a licensed agent at work to help you choose the right options . 