I think that's the first time I've heard someone say it's not likely that life insurance benefits would be needed by the beneficiary(s) after the sure death of the policy holder.
Are you really this dense?
If a 30 year old buys a 20 year term life policy, and if the actuarial data shows that 96% of 30 year olds will live to at least 50, then there is only a 4% probability that the policy will be "needed". I think it is safe to say that a 4% probability is "small".