Security and safety are guaranteed. Someone pays for this, but you hope to never need it and the insurer seeks his profit.
There is no insurance in life. Though we might get money at the end of our days, but we cannot use it.
Insurances are the illusions of our modern society. We shall feel safe in dangerous times, but there is nothing to trust.
Living does not need insurance. All we know for certainty is that we life now and die later. There is no other truth than life and death.