When you take insurance policy, you pay $200 or $1000 per month as premium.

Other way, you do not take insurance and with the same money ($200 or $1000/month) you can buy Gold. Gold is safe haven and an insurance policy itself.

Gold price goes up +15% or more in a year.

Actually, financial world is a giant scam when there is always Gold as the safest investment.

Think about it.