Life Insurance through your job can be very beneficial for you if you don’t have the best of health. Reasons for this is because in many cases if you have for example terminal cancer, suffered a heart attack, had cancer last year, COPD and diabetes with insulin if you go to get any coverage, it is going to be very expensive for you. You will only be able to get limited amounts based on what that insurance company gives you coverage for. So, if you start a job that has Group Term, you have a window to sign up for that term, and during that window, you don’t have to answer any medical questions, and you will be able to get that coverage right away. Life Insurance through your job benefits persons who have bad health. I had a client who was recently diagnosed with cancer, she got a new job, and she was able to get coverage without any problems. She, however, was not able to get much coverage through me, because of her recent diagnosis and most insurance companies would want her to be a couple of years removed from cancer to get a degree of coverage. In this situation, it benefited the client to go with her Insurance through her job because it allows for her to get more coverage than she would have gotten with an individual policy. She is aware though that this Insurance through her job will not last her entire life; however, it is considered to be golden for her family because she got more coverage than she would have received with any other insurance policy option.