<prompt> Human: My wife is offered group term life through work at that they say is a discount. Its underwritten by Prudential for 150k. The rates start low and increase in 5 year increments. She is 31 and going to be 32 soon. I calculated that a 30 year 150k policy through her job winds up costing 6842.76 and if I just get a quote from term4sale I can get a 150k policy for a 30 year cost of 6195. My question is, how can this group claim they are offering discount rates when the overall cost is higher? The only advantage I see to their plan is the cost is much lower now, whereas direct through pru its a level term and same cost over all the years.  <response>: If you have the option to get a independent term life insurance, do it.Dont get the job based one unless you dont qualify for term life.If she gets fired, moves on, etc, life insurance goes bye bye. 