Term life insurance is very inexpensive for young people to buy on their own, unlike disability.

So? For 60 odd bucks a year per employee you can know that should something happen to one of your employees - you will have done something to ease the situation.

The tone of the article seemed to be about doing something for your employees that, whether appreciated or not, is good for them and your own piece of mind. Taking care of them. Obviously it depends on size etc, but it seems like a good fit.

True but you do have to plan for the oldies and the smug marrieds (to borrow from Bridget Jones)

Old people generally don't need life insurance. Neither do singles with no dependents. Young married people with kids and a mortgage do, and it's pretty cheap because they're very unlikely to die during the policy term.

What if they have a second marriage later in life I recall a case where I worked where a guy in his fifties died of a heart attack a few months after remarrying.

Employer provided policies are governed by Federal regulation (ERISA) which is much less policy-holder friendly than state regulated insurance. (At least in "Blue" states, probably a different story in Alabama.)