I heard B’shem Rav Shteinman (Israeli Mishpacha, for what that is worth) that buying life insurance removes Zechusim from others, as the children no longer will need to collect Tzedaka after the parent is dead. Therefore one should not buy life insurance.
By the same argument, some people should stop working so as to provide zechsim to people who will give Tzedaka to them.
Likewise, people should stop going to the doctor for preventive medicine so as to provide zechusim to people who will daven for them when they develop an illness.
The Wolf