... in which case they would buy more insurance. This benefit from Google is additive to existing benefits (including life insurance, which as mentioned is free

... in which case they would buy more insurance. This benefit from Google is additive to existing benefits (including life insurance, which as mentioned is free up to certain limits and can be bought for additional amounts), and does not replace those benefits. So if you opt to not have ANY life insurance and instead depend solely on Google's stated 5x salary death benefit, then, yes, that's not enough. But this benefit is not meant to replace life insurance, but rather to augment it.