What Happens If I Die Without Life Insurance? 
If you die without life insurance , your family or friends will figure out how to take care of your funeral and settle your estate . They nearly always do . The difference is that life insurance makes it a lot easier . Life insurance money if provided relatively quickly , is not taxed , and does not go through probate . That enables your loved ones to pay your funeral bill -LRB- sometimes getting a discount for quick payment -RRB- , make regular payments due on your rent or car payment or utilities or other bills , and not have to worry about passing the hat or putting someone in a hard place until your estate is settled . People die without life insurance every day . You do n't have to . 