At my client's house the other night, they started talking about the 1/2 million dollar policy he has at work and the 1M policy she has through her job and how all this money would take care of any debts they had and that they really didn't need any more life insurance. So then, I asked them the question: "How long do you plan to work there?" See, if either one of them either leaves their job or is laid off/fired/furloughed, that money is gone and all those plans change like yesterday.
Get your own policy outside of work. That way, you have some coverage should job loss occur, and you've also "ensured your insurability." It makes sense.
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