<prompt> Human: open enrollment closes in a few days, so this got us thinking about life insurance again. i currently have life insurance through my employer. its sized to pay off the house, and to give my wife and kids a year or two before she would have to think about going back to work. my wife currently does not have life insurance.it looks like i can get an equivalent term life policy for myself from USAA for about 40 less, and a policy for my wife for about 30 less.my questions: is there a reason to prefer life insurance offered through my employer over getting term life on my own, from USAA for example? what should i be comparing other than coverage?  <response>: The downside of purchasing term-life insurance through your employer is that if you change jobs, get fired, or laid off, the insurance ends and youll have to apply for term-life else where. Check out Term4Sale.com and get a quote and compare. It maybe cheaper andor provide more coverage for you and your spouse compared to your current policy. 