You may already have some life insurance coverage from your employer. However, that policy might only provide a fraction of the coverage you actually need. Employer-sponsored policies typically offer coverage that is about 1 — 2x your annual salary. 

Financial experts recommend having coverage that is about 10x your salary. This disparity can result in a large gap in protection if you're solely relying on your policy through work—which is why many people buy individual term policies to supplement the coverage they receive through work.