集團人壽保險是否工作？
集團人壽保險是否工作？
 Yes, Group life insurance works. Group life will pay a claim, just as an individual policy would. The question with group life, is should it be your only form of life insurance? While it is nice that a portion is picked up by most employers (up to 50,000) as they get a tax deduction for providing coverage to a point. However, as an individual on a group plan, you have no control over the situation. If your employer changes plans or decides to end the benefit, you have no coverage. Where this can become a problem is if your health changes while in the group plan. The plan ends, you still need coverage, but your health may prevent you from getting covered or covered at a reasonble price. With group coverage, you don't have a lot of say over the coverage. It is always better to find your own coverage that suits your needs and then using group coverage as bonus coverage as no telling if it will be there when you need it to be.
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