When Is Life Insurance Not Worth It? 
There are wealthy people in the world who choose to self-insure based on the liquidity position of their financial holdings . In the ideal and unreal world of the affluent , you dont need life insurance because you have no financial liabilities , you leave you assets to heirs and charities and you dont care about economic leverage and tax favored treatment of the death benefit proceeds . In the real world of the wealthy , most care about every item on this short list . 