What if I already have life insurance through my employer?

Any level of life insurance cover is better than nothing. However you need to make sure that the level of cover that you have will be sufficient to cater for all your family’s financial needs if you are no longer there. You also need to consider that you are only covered while you work there, if you were to lose your job or move jobs then that cover would disappear and medical circumstances might make it difficult for you to get cover elsewhere in the future.