In which scenario is it typically LEAST beneficial to opt for additional coverage in a life assurance policy?

Opting for additional coverage in a life assurance policy usually becomes less beneficial in situations where the insured has a history of poor health. This is because individuals with pre-existing health conditions or a history of serious health issues may face higher premiums or may even be offered limited coverage options due to the increased risk perceived by the insurer.

Insurance companies evaluate the risk associated with providing coverage, and a history of poor health typically indicates a higher likelihood of claiming on the policy sooner than those who are in good health. As a result, the additional coverage sought by the insured may not provide a proportionate return in terms of benefits versus the cost incurred from higher premiums.

In contrast, scenarios like having significant assets, dependents, or being older often highlight the necessity for additional coverage, as these situations typically increase the financial needs and responsibilities that life assurance can address.