Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Managing Editor & Insurance Lawyer

UPDATED: Sep 15, 2020

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Either or both, depending on your own personal needs. Build your financial plan around personal life insurance that you buy on your own and can control. Then your group coverage can be used to add to your personal coverage and help meet your total insurance needs. You should review your plans regularly and consider your current needs in light of job changes or other things that affect your group coverage. You may decide that the insurance coverage you have through your employer is adequate by itself. But you should keep in mind that this coverage may not be permanent. When you are no longer employed, you are no longer covered through the group plan. So you need to consider what your total insurance needs are, and then you can decide whether you need personal life insurance, group life insurance, or both.