Life insurance is provably the cheapest way to put cash into an estate.
No one who will live forever. No one who will have no remaining committments. No one who can ignore the needs of people close to them.
Your executors will care about liquidity. You have planning options.
You can’t see digital assets very easily. If you care about them, plan their disposition.
Estate planning is far harder than it looks
Planning requires dealing with unexciting things
For business owners succession is a big part of estate planning.