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Should I get private term life insurance?

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Life Insurance

I’m 39 and have life insurance through my employer. I could probably obtain private life insurance for the same rate.

Is it wise to get non-employer term life insurance now (before I’m 40)?

I may not stick with my current employer for another ten or twenty years, but I’ll probably be here for a few years. Is there any downside to waiting to obtain term life insurance elsewhere?
Solution243–Looks like you have no real answers but send everyone garbage links (for scam, perhaps?). Or maybe the same link (from you) really does answer both this question AND someone else’s question about how much he should be paid for working at a deli in New Jersey.
I work for the federal government. The rate is decent, though I might be able to get a little better.

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