Do I need life insurance if I have in service death payment through work?

[Willsnbills]

Just the title really, would you take out separate life insurance if you have an in service death benefit of 10 times salary guaranteed from your work place. Are both necessary?
YABU -necessary
YANBU-not necessary

Did you miss the pertinent bits where I explained that IHT on life insurance over and above the IHT limit, IS due UNLESS it’s written in trust and that workplace death benefits will be taxed from 2027 with the new rules, despite the fact that pensions are treated as in trust, Mozartine?
It’s there in Black and White in the Goverment proposals.

10 x is a lot. I wouldn’t get more life insurance cover but would spend the money on critical illness instead if you can afford it

i get x4 and critical illness with my job but would get it separately if not working for them

Thank you everyone. I’ll keep the life insurance/critical illness cover that I have also