What Is Employee Supplemental Life Insurance? 
Group benefits often cover up to $ 50,000 of life insurance without paying premium and is not taxed to the employee as a benefit . However , employees may have the need for more than jus $ 50k of life insurance . In these cases , the employer , makes available supplemental life insurance , which supplements or adds to the base benefit the employer extends to each employee . The supplemental life insurance can be purchased typically through payroll deduction and is usually purchased in increments of $ 5,000 or $ 10,000 . 