Insurance is a pool of fund that compensate the unfortunate one.
For one "benefit" from the insurance, then there may be 5 or 10 or even more other that do not "benefit" from it.
Insurance use the pool of fund to "benefit" the unfortunate one, aka the rest 5 or 10 people's premium are actually paying for it.

A simple illustration, there is average probability that 1 out of 100 people died prematurely, before 40.
So you take in 100 customer premium of 1k, that enable to payout for 1 died at 100k to cover died before 40.

But at this ratio, insurance may not able to make any money.
So insurance company can set the premium become 1.2k, by then there is profit to be made already.

Insurance is not a charity organisation that make people "benefit" from it.

Personally, I would refrain from the use of term "benefit".
What is so "benefit" about when unfortunate situation occur (dead, accident etc)?
Instead a better word should be compensate the loss of income/money due to xyz reason, whereby insurance as a pool of fund can compensate, and help in financially.

So far, I see more agent talk about wonder of own insurance try to sell (love you family, then must buy insurance, risk free, can benefit from insurance etc No offence), (while some small percentage may not even understand properly what they are selling as well or details of the policy ) instead make comparison on various policy.
If the agent is indeed explain properly and compare and listen to client needs, then whatever agent earn from the commission is fair enough.