The reason Life Insurance through your job can be expensive if you’re healthy is because Life Insurance through your job is a policy where anybody that works for the company or organization can get the coverage without any medical questions being asked. You can currently have cancer, diabetes, vastly overweight, multiple heart surgeries or even diagnosed with HIV. Anything that is looked at by most carriers as a red flag and will cause a decline but Life Insurance through your employer it’s okay. So, if you suffer from any of these ailments mentioned then your Life Insurance through your job is perfect for you because you wouldn’t be able to get coverage elsewhere. However, if you are a person that runs a marathon, works out everyday, eating well and have no health issues you will be paying the same premium as someone that does suffer from one of those ailments. You then have to ask yourself if that is the case how much are you paying for their risk? Because insurance company creates price based on the risk of the group and you end up paying the price for them. On the other hand, if you go out and get your own policy for example with the preferred rating you will be able to pay half the cost of what you are getting or pay the same amount and get double the coverage. This is one way in which your Insurance through your job can affect the healthy individual.