When you are weighing job offers, benefits are often a deciding factor. Employer-covered perks like health insurance, paid days off, or 401(k) matches are incentives to leave your old job. But make no mistake — free doesn’t mean best. This is especially true when it comes to employer-provided group life insurance. If you signed up for your company’s plan, and assumed you have ample coverage, your family could be at risk. Here’s why.