Additional death benefit vs life assurance

[Unit]

I'm trying to weigh up my options in terms of taking out a Life Assurance Policy or else starting to make contributions for Additional Death Benefits (ADB) from my pension scheme. Taking tax into account the contributions are very similar for the same amount payable with inflation and salary change also accounted for. After 55 the amounts payable from ADB diminish rapidly. I'm 30 now. Is there any benefit from starting ADB rather than taking a life assurance policy?

 

[RS2K]

Yes. Tax relief.

The downsides are the death benefits are non assignable, end when you retire (or leave the job - assuming it's an Employer's scheme) and the max. that can be paid out is 4 x salary.