Is the group life insurance through my job enough, or do I need my own policy?

Employer group life is a nice freebie but rarely enough on its own. Most employers provide basic coverage of one to two times your salary at no cost, which sounds generous until you compare it to the 10–12 times income many families actually need. Two bigger problems: the coverage usually isn't portable, so it disappears when you change jobs or get laid off — often exactly when your health or age makes new coverage pricier — and you have little control over it. The smart move for most people with dependents is to treat group life as a small supplement and buy an individual term policy you own and can keep regardless of employer. That way a job change, which is already stressful, doesn't leave your family suddenly underinsured. Review your total coverage at wealthserene.com/goals/protect-your-family.