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Goes for my husband's company Sunlife Insurance will be always coverage workplace accidents includes outside traveling on way home or way to work whatever.. will be always coverage cost as Life Insurance which there have two different separates ways due workplace purposed and home life purposed..  We are pay for it both and payments monthly garnish from my hubby's stub.. No worries than hassle ourselves payments..  Let company take my $ stub away monthly payments..  Less hassle.