Queen- That is the most ridiculus thing I have ever read. What is decreed in shamayim is decreed whether or not a couple buys insurance. A human being has no business making cheshbonos like that. A man should buy insurance because it is the smart, sensible thing to do. Period.
Any Rav who claims that buying insurance places such a “burden” on a couple, is completely misguided.
I assume your Rav told you who to vote for as well. And before you answer that you had better call him (or them)…..