Of course your company is only going to cover you while you are employed with them. It make sense to have your own policy for more security.

It is hard to judge if you should take a light policy now or a full policy later. What matters is, within your commitment. The premiums you pay if starting now would be the same if you start later as premiums tend to get more expensive with age. The difference is you get covered earlier.

Feel free PM or call me if you are interested to explore further.