ps, I also looked at extended coverage at work. For me, it was cheaper to have a separate policy above and beyond my work policy- seems like some of the insurance companies really take advantage of employees and hope you won't price outside policies. Also-, work coverage is usually only 2-3 years salary at best. That will cover the funeral and short term debt, but no one can survive on that long term.
I know- I sound like an insurance salesman! ... just sharing what I found out when I was doing the shopping. It's a huge expense for us, so I did a lot of homework when we chose.