Employer-sponsored life insurance is a great benefit, but it may not provide enough coverage to protect your family. Most employer-sponsored policies offer coverage that is the equivalent of 1 to 2 times your annual salary. So if you make $50,000 per year, your employer may offer $100,000 in life insurance coverage at minimal cost to you. While this is helpful, your family would likely need much more support in the event of your death. Many financial experts recommend that you have coverage with a benefit of at least 10x times your annual salary.
Another issue with relying on employer-sponsored coverage is that many policies through work only last as long as you are employed there. Many people tend to lose their insurance coverage when they change jobs, are laid off, or when they retire. Have you thought about owning coverage outside of your employer-sponsored coverage?
You might consider supplementing your employer-sponsored life insurance with an additional policy—so you get the full coverage you need to protect your family when they need it the most.