@sickburnbro @pepsi_man @TrevorGoodchild Agreed. But I think that isn't necessarily true, average lifespan being 84, most (relatively healthy, ie not fat) people should be able to coast along to their 50s without issue.

And the select few that come down with cancer or need a litre of blood after a car accident should be taken care of.

Since Insurance is simply gambling and the insurance is betting "Nothing ever happens", they do have a moral obligation to pay up when something happens.