insurance is a farkiin scam... better for one to collect emergency money up to 500k-1mil... for any issues that miight ariise...

but if you're B40... no choice... you're at their mercy...

and no guareetee you will get help from insurance company either. myself i take insurance despite lack of trusts, but i focused my effort on saving much more. now my saving(not included illiquid assets) can cover 3 times of those insurance yearly cap(6 figure only)