For legal information on the topic, it would be best to consult with an attorney who has a background with employer/employee benefits in your state.
I don’t believe employers are required to offer life insurance to employees, but many do as an incentive to come work for their business. However, if the life insurance benefit is offered, I think there are minimum requirements that may need to be followed.
If your job does not offer life insurance and you are looking to secure coverage, you would need to purchase an individual life insurance policy which my group can help you with. You can send me an e-mail via the contact me button next to my name.
I hope the information is helpful – please feel free to contact me with any other questions. Thanks very much.