Whether or not you want to buy insurance from a private company or an employer is completely dependent on what you think is best. The plan that you eventually develop and purchase is one that will be best to fit your needs and the most cost effective. Life insurance can be expensive and there are always other things that need to be taken care of first, such as rent, groceries, and other bills. One of the best policies to get would be one that would enable you to have life insurance and still be able to purchase necessities.
A great thing to do when considering any life insurance policy is any changes that may come to be. Getting fired or losing a job, being sick, or not having enough money to pay your policy can be potentially devastating. Always keep check of things that might inhibit the payment of your insurance. If you know for a fact that one type of insurance is better than the other then feel free to go with the one that suits you best. Nobody can force you into deciding which one. Each will have its pros and cons and you should pick appropriately. After you know what you want then go from there and decide which type of life insurance you’d like to have.