It depends on how the death occurred.
Car crash: If the person died in a car crash that was caused by someone else, then that driver would be responsible and their car insurance company should pay. It is rare (although sometimes possible), to have a person pay out-of-pocket in a wrongful death lawsuit. If the vehicle that caused the fatal crash belonged to someone other than the driver, then we would look at the owner’s insurance policy as well.
Truck crash: Crashes involving commercial motor vehicles or semi-trucks are a little different. In those situations, the responsibility for paying a wrongful death settlement might be the insurance companies for the truck driver, the truck owner, the motor carrier (who hires drivers and arranges routes). In some situations, a truck crash is caused by defective parts: then it may be the insurance company for the mechanic and shop, or even the manufacturer, who takes responsibility for the lawsuit.
Medical malpractice: A wrongful death claim from a medical malpractice case may be paid by the insurance companies from the hospital or medical facilities, and/or the policies for the individual doctors and medical practitioners. In these cases, the people who caused or contributed to the death were at work: their personal assets are not at risk.
Product liability: When a death is caused by a defective or unreasonably dangerous product, you may be able to hold the manufacturer responsible. In these cases, most often, qualified and experienced experts are needed to analyze the products.
Your lawyer should be able to answer any questions you have about how your wrongful death settlement is paid.