you leave that company and find yourself at one that doesn't offer group insurance, you don't have diabetes, or high blood pressure, or cancer, or any one of a number of conditions that make life insurance very expensive or unobtainable at any price.
I pay almost $500/month for 500K of coverage on two old group policies, and the price goes up with every birthday. After my mortgage, it's my largest bill. Am I grateful to have it, considering my health? You bet. Do I regularly kick myself for not buying that coverage in my 30's or even my forties and paying about $75/month back then? What do you think? Unfortunately, I have never been able to find life's rewind button.
Also, 5x/annual salary is not enough insurance. You need at least 10X, even up to 15 or 20X if you are young, healthy, and have a houseful of kids and your HCBW's main marketable skill is that she got you through school.