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Although you may receive free life insurance through your employer, there is a good chance that it may not be enough. Many life insurance policies covered by employers are lower amounts that will not pay for much more than burial costs and funeral expenses. It will be nice for your family to have these expenses paid; however, they may need more than that to cover your portion of the household income, especially if you are the main income earner. For this reason, it may be necessary for you to seek an additional life insurance policy that will give your dependants something to live on while they grieve and adjust to the lost income.