Insurance as a concept has never been able to convince me. They’ll make such ads in order to make an average person nervous about his own life and make the most of his anxiety by selling him a hope that his people will be well taken care of, after him.
Except, it would perhaps take endless claims and pursuits and most usual causes of death might be exempted in the fine print.
Anyway. It’s all personal. My dislike for insurance. It might just be a very valuable thing for the wives with young kids whose husbands end up in freak accidents!