It's also a sign of gill disease. My tank has been cycled since September, and ammonia levels are zero.
Excess food left in tank, dead fish left in tank, lack of frequent water changes, putting in chlorinated water; all of those and more can lead to the death of your fish.
If your ammonia levels are always 0, then that would mean you are doing a heck of a job maintaining your tank and fish should not be dying unless your retailer gave you sick fish.