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One thing to consider, when hearing that you can be covered by your employer's life insurance policy, is if you will have to pay in. Just like any other insurance offered by your employer, some may be free to you and some may require a co-payment. If the policy does require a co-payment from you, chances are that it will be much cheaper than you would pay on your own. However, you would also have more choices if you were to take out your own policy. Once you discover whether or not you will have to pay in to receive life insurance from your employer, you should then decide if taking out your own life insurance policy would be a better advantage to you.