“Without the protection of life insurance, Hashem would be more inclined to keep the family’s natural bread winner alive in the zechus of the wife and children. Once there is life insurance this zechus is irrelevant.”
“Life insurance will rob us of the zechusim of tzedoka and chessed that are so dearly need in our situation, Hashem Yirachem.”
We don’t second guess Hashem’s ways and we certainly don’t create dismal situations so that people will have an opportunity to give tzedaka. Who wants to offer themselves as the karbon? As it is said, “don’t be a tzadik on someone else’s shoulders!”