This is simply terrible analysis. The likelihood of death analysis is beside the point. By enrolling every employee in a group life policy, Google is able to get a very favorable rate from an insurer. Googlers in general are going to be younger, healthier, with greater access to health care than the general population, let alone people who are seeking out life insurance who don’t have access to one through their job (or union).

There is no way an individual would be able to get the same rate Google is paying.