"I already have insurance at work."
If our hardworking K of C agents had a nickel for every time they heard that they could all retire.
Many jobs offer some form of group life insurance. Often, this insurance is an employee benefit provided at no charge, or for a small co-pay. Knowing this coverage exists may convince someone that he doesn't need to discuss personally owned life insurance with an agent. That could be a mistake.
Most forms of group life insurance are limited in amount. That amount may be tied to a salary or some other benchmark, but often there is a cap. That cap may be dangerously low for your family's needs should you die. In fact, without a needs analysis, it may be completely unrelated to needs at death. In addition, the amount of group insurance offered is almost always reduced -- sometimes dramatically -- when you retire.
Especially today, there is the very real possibility that you could lose your job. Or that your benefits could be reduced. In either case, you can find yourself without coverage. If your health has changed in the meantime, you can find yourself out of luck.
While group life helps, it does not replace the need for individually owned life insurance. Plan a complete needs analysis, review it with your Knights of Columbus agent and find out exactly where you stand.