Employee Supplemental Term Insurance is offered to employees through their group health insurance. In addition to the life insurance built into their group plan they have the option to purchase additional coverage. Life insurance through your employer is a nice benefit, however keep in mind that when you leave your company, it usually goes away. A person needs to make sure he has enough life insurance purchased separately from group coverage to meet their needs when it is generally needed most. Most people do not plan on dying before age 80. Make sure that the life insurance you own will meet your final expense needs when your time comes, whether it is 80 or 100.