谢分享. a question about life insurance....

You said "在房产多起来以后，我在逐步减少这些保险。但是我仍然会保留相当的数额，这样一来如果我不能自己去管理至少会有足够的钱去雇一个人来做这些事." I don't much about life insurance, but my understanding is it pays only if the insured dies. How can life insurance help in hiring people here?