Group vs Individual Life Insurance: Portability and Control Comparison
How employer group coverage compares with personally owned policies on portability, limits, and long-term reliability.
Practical Verdict
- Group coverage is useful baseline protection but usually insufficient alone.
- Individual coverage offers ownership control and portability across jobs.
- Best practice is often group baseline plus individual core coverage.
Build a coverage plan that actually survives real life.
Use the short form to get a practical policy direction based on your goals, budget, and risk tolerance.