How Does Supplemental Life Insurance Work? 
Yes , supplemental life insurance works . Where it is different is in cost , underwriting and portability . First the easiest thing to comprehend about premium pricing is the more questions the cheaper the cost . Fewer questions asked ? the higher the premium . Cost usually on supplemental life is more expensive because they ask fewer questions -LRB- underwriting -RRB- of the insured . IF you are of reasonable good health , it usually better cost wise and policy wise to seek an individual policy where your good health is rewarded by a lower cost to you . 