What Happens If I Don't Have Life Insurance When I Die? 
No one can speak for you , because every person 's situation is different . Some people are very disciplined in saving and investing money , and are blessed to not have to dip into it for medical bills or long term care needs before they die . Not having life insurance upon their death does not pose a problem , except that the money may be tied up in the estate -LRB- life insurance usually bypasses probate -RRB- . On the other extreme , I have had several clients who had to contribute to the funeral of a family member , one for an uncle she did n't even like ! Not having life insurance when you die can wreak much stress upon already traumatized family members and businesses . You need to look at your situation and determine what your obligation is to those you leave behind , or the message you would like to leave them . 