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Both really.Group life is uallusy very inexpensive, say $6.50 for 100,000 face. Term cannot uallusy compare with the cost of group live.The real benefit is that if you have term, you own the policy. As long as you make payments, you have coverage for the term. Group uallusy is lost if you leave the group, cease employment relationship, business closes, lays off, changes benefits, or benefit providers. Group may give you rights to convert group policy to yourself in the form of whole life (expensive) policy upon termination.You have no control with Group. You have control with Term.My recommendation would be to price compare. If Term policy is within say 35% of the group cost, buy all term and for the face amount that your responsibilities to your family are. If group is dirt cheap, buy all you need through the employer. Then in addition, purchase Term in around 1/2 to 3/4 of your needs. This way if you lose employment, you still have protection for your family. Regardless of possible changes in your health, you have the bases covered.Hope this helps.