The company I work for was sold and the new owners dropped employee life insurance coverage. No problem, I was 40, my late wife was 38, let's buy our own. In the process of getting life insurance for my “Late Wife”, a routine exam showed she had a tumor in her abdomen. It was cancer and she died 14 months later, I never saw a cent of insurance money, even though for 14 years I had paid into a company term policy. Once my employer dropped the plan, we could not continue paying for it on our own.
I went and got private insurance.