If your employer offers life insurance, take it. It's usually free or close to it, and free coverage beats no coverage every day of the week. Now the part that needs saying: for most families, work coverage alone is a shaky plan.
Start with the amount. Group life is commonly one or two times your salary. Run that against what your family would actually need to cover, the mortgage, childcare, years of replaced income, and the gap is usually wide. Planners often suggest ten times income or more while kids are young. One times salary buys your family a year of breathing room. It doesn't buy a future.
A word of caution: the coverage usually isn't portable. Leave the job and the policy stays behind, most of the time. Some plans let you convert to an individual policy on the way out, but at prices that make people wince. And the years you're most likely to switch jobs or get laid off are exactly the years your family most needs the protection to hold.
There's a second problem that shows up later. Group coverage tends to shrink or end at retirement, right as your health history is making new coverage expensive or hard to get. People who leaned on work coverage for thirty years can arrive at sixty-five with no policy and no cheap way to buy one.
The fix isn't dropping the work coverage. Keep it as a bonus layer. The fix is owning a base policy that belongs to you no matter where you work, bought while you're healthy and the price is locked. For most people that starts with term, covered in our term overview, and the learning center walks through how the layers fit together.