The non-wealthy as well as the wealthy can leave a legacy, according to Market Watch in "5 ways to make a great impression after you're dead."
Even if you do not have very much now, you really only need enough to pay life insurance premiums to leave a legacy.
Life insurance policies are very flexible. In fact, you can make almost anyone or anything a beneficiary.
You can make a favorite niece a beneficiary. You can make your alma mater a beneficiary to have a scholarship created in your name. A charity or church can be the beneficiary. You can even leave the money to the town you live in, to have a park named after you.
If you want to leave a legacy and are not wealthy, then life insurance can be a valuable tool. However, it should be used within the context of your estate plan.
An estate planning attorney can guide you in creating an estate plan that fits your unique circumstances.
For more information visit my Wichita KS Estate Planning Attorney website
Reference: Market Watch (May 8, 2017) "5 ways to make a great impression after you're dead."