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Employer group life insurance often provides only a limited amount of coverage that may not be adequate to cover end-of-life expenses, such as funeral costs, outstanding debts, or other financial obligations of the insured individual. These policies are usually designed to provide basic financial protection for beneficiaries in the event of the employee's death, but the coverage limits can be significantly lower than what an individual might require based on their personal circumstances.

Additionally, many employer-sponsored plans may not take into account an individual's specific financial needs or family situation, which can lead to a shortfall in protection when it is most needed. Since end-of-life expenses can accumulate quickly, it is essential for individuals to evaluate their total expected financial obligations and consider obtaining additional life insurance to ensure comprehensive coverage that aligns with their personal needs and goals.