Employer-provided group life is great for the basic $25K–$50K benefit most employers provide at no cost — keep it. Beyond that baseline, buy individually for two reasons: (1) portability — individual policies belong to you regardless of where you work; employer policies often terminate or become expensive at job change, (2) underwriting — individual policies are medically underwritten while healthy and pricing is locked in for life; employer policies don’t medically underwrite (which sounds good until your health changes and you can’t get individual coverage later). Most financial planners recommend a baseline of individual coverage outside the employer benefit, with the employer benefit as supplementary.