When Would A Person Not Need Much Life Insurance? 
A person would not need much life insurance if they are dead . Naturally it is not needed at that time . OK ... Seriously , everyone dies so if there is life insurance on a person , it will eventually be used . In a case where a person has a moderate-sized estate , is very liquid , and there are plenty of available assets upon death , assuming a financial planner agrees , there may not be as big of a need . 