If 2020 taught us anything is that life in unpredictable. Not only did COVID significantly impact our health it closed many businesses. On top of the pandemic the industry I am in is a roller coaster ride of highs & lows, you never know when you might get the pink slip. Even being a superstar employee the way I like to think of myself, I might leave a company by choice, leaving the stable insurance behind.
Portability was the main reason I wanted supplemental coverage. As I learned more about it I realized it was a good idea I was getting it because what I had at work was not enough. Not only was it not enough but I was losing on growth potential....that's right GROWTH! That's a topic for another day. We are still at the basics.
Here is a great article explaining supplemental life insurance: