Most people with life cover through work have never checked what it actually pays, or what happens to it the day they change jobs. One minute is enough to find out where you stand.
Takes about a minute · No personal details until the end
It is a benefit your employer buys, not cover you own. It typically pays two to four times salary, and it stops the day you leave the job. That is a leaving gift, not a plan for a family with a mortgage and twenty years of raising a child ahead of them.
And it ends the day the job does. Change employer, go freelance, get made redundant, and it leaves with you.
Assumed the cover through work had us sorted. Turned out it was about eighteen months of the mortgage. Sorted properly in a lunch break.
Did it on my phone while feeding the baby at 4am. No forms to print, no nurse visit, no phone calls I had to take.
Changed jobs last year and only then realised the old cover had gone with it. Wish I'd had my own from the start.
If you die during the term, it pays a cash lump sum to the people you name. That money can clear a mortgage, replace an income, or simply buy your family time.