Thanks you all for your input........And looking forward to any more information that may come to light on this topic from others.

I would like to add this comment/lesson. In my opinion it is always better to not have your life policy through your employer, unless it is portable (meaning you can take it with you if you no longer working with that employer). Otherwise if you no longer work with the employer that you have your life insurance with, you will and up with no Life insurance.