Insurance

[dukealien]

is a savings account
if you don't use
you lose.

Poetically, use of the title as (in effect) first line is economical and effective, as is the inferred "which" after "account."

Otherwise... there are many ways to think about insurance (especially life insurance).  One is that you (the insured) are renting a sum of money - an estate.  Sometimes, it's rent-to-own (at maturity).  Accident insurance (death is, ultimately, not an accident though its particular circumstances may be) is more of a bet... if you know the "accident" will take place, or arrange for it to, the term "fraud" comes to mind.  Hence, also, suicide clauses...

Definitely thought-provoking:  think of the banks which bought and sold mortgage insurance when they thought no one would ever use it... and insurance on the insurance, and insurance on the insurance on the insurance... ... ...