You also can't add riders to a policy you get through work. Riders are additional terms and conditions that enhance your coverage for specific situations. There are riders that allow you to accelerate the death benefit in the event of illness, get an additional benefit for the death of a spouse or child, or add more coverage for accidental death or dismemberment.Most group life insurance policies aren't portable when you leave your job.
Since a group life policy is guaranteed coverage — there's no evaluation of your health, age, or overall risk to determine your premium — it will likely be more expensive than an individual policy if you're low risk .
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