What Is Supplemental Life Insurance? 
Supplemental life insurance is optional life insurance offered to employees beyond the amount provided to them by their employer . While group plans do not have medical requirements for life insurance , when you purchase supplemental life insurance through your group plan , there will be medical underwriting involved . If you are ineligible for supplemental life insurance through your employer 's plan , you still should be able to buy some type of life insurance in the private market . 