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I have life insurance through my employer - is that enough?

Most companies offer some level of death in service to their employees; the normal cover is 3 times your annual salary.

How would your family cope with your current policy?

It is still worth thinking about if this would be enough to provide your family with the financial security that you want for them if they had to manage without your income.

It is also worth considering that should your employment cease, your life insurance will also stop.

Running two life insurance policies

What a lot of people do is take a smaller policy that runs past their employment age, this way the family have some cover if the worst was to happen after you retired to cover any outstanding debts and funeral costs.

Covering your mortgage

If you have a mortgage you may still want to consider taking out a policy at least to protect the amount and the term. The cover that you get through you employer doesn't cost you anything; this will just be extra financial protection for your family.

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