as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
if i have ad&d through my employer, should i still purchase term life insurance?
user
i think that mbhunter hit the nail on the head regarding your question. i just want to add that having a policy that isn't sponsored by your employer is a good idea... employer policies are regulated by the federal government via erisa. independent policies are state regulated, and usually have better protections. also, look for a policy that allows you to increase your coverage later without medical qualification so you don't need to overbuy insurance initially.
assistant