Insuranceguy: please be assured that we spoke to rabbonim on this matter and it is not so clear cut. I would like to contend that davka having an insurance policy could cause a “burden” on the family. Let me explain why…
A & B are a married couple without insurance. It was decreed in shamayim that A should die. But it was NOT decreed that B should be left poor. Hence A was given more years of life in order that B should not suffer what he (B) does not deserve.
C & D are a married couple with insurance. It was decreed in shamayim that C should die. It was not decreed that D should be poor. No problem! They have insurance!!! C can die as decreed and D will not be affected financially.
Nu?