Group life insurance is a type of life insurance in which a single contract covers an entire group of people. Typically, the policy owner is an employer or an entity such as a labor organization, and the policy covers the employees or members of the group.
Group life insurance is often provided as part of a complete employee benefits package. In most cases, the cost of group coverage is far less than what the employees or members would pay for a similar amount of individual protection.
So if you are offered group life insurance through your employer or another group, you should usually take it, especially if you have no other life insurance or if your personal coverage is inadequate.