What Happens If You Die Without Life Insurance? (Besides Chaos and Regret)

You die. Congrats, that part was free.

You die. Congrats, that part was free.

But now your family’s crying into a GoFundMe link and wondering why you insured your iPhone but not your actual life. If that stings a little, good. That means you’re still alive. So let’s fix it before your financial legacy is just a stack of unpaid bills and a Facebook memorial post.

1. The "Gift" You Leave Behind (Spoiler: It’s Bills)

When you die without life insurance, you don’t just leave a hole in people’s hearts, you leave one in their wallets. Final expenses in Canada can easily run $10,000–$15,000. That’s just the funeral. Not the debt, taxes, mortgage, or unpaid Netflix subscriptions.

2. Why GoFundMe Isn’t a Financial Plan

Your cousin creating a crowdfunding page with your high school grad photo is not a strategy. It’s a last resort. And most GoFundMe campaigns fall short of covering real costs. Also, do you really want your last internet appearance to be a sad begging post with 13 shares and a heart emoji?

3. Final Expenses: Caskets, Cremation, and Crying

Whether you choose a funeral, cremation, Viking burial, or being launched into space (respect), someone has to pay for it. Without life insurance, that’s your family, right when they’re least prepared.

4. What a $20/Week Policy Could’ve Done Instead

For the price of two fancy coffees, you could’ve left $250,000 behind. That’s enough to cover final expenses, pay off some debt, and buy your kid a decent shot at adulthood.

5. The "Die Rich" Exit Plan (AKA... us) We get it. Death is awkward. Insurance is boring. That’s why we made DeathInsurance.com real coverage, no sales pressure, and branding dark enough to make your ex uncomfortable.

Take the quiz. Lock in a policy. And when the time comes, your family will cry... but at least they’ll be crying with a cheque.