Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary. However, financial experts recommend having coverage that is about 10X your salary. That can result in a large gap in protection if you’re solely relying on your policy through work.

Think about all of your family’s expenses (mortgage payments, childcare, college tuition, living expenses), and ask yourself: Would my coverage through work be enough to take care of my family if I passed away? If not, you may want to consider buying a policy to supplement the coverage you have through work.