I don't do insurance. I prefer to do life. Hell, I don't even do medical aid. Instead, I eat healthy, organic food from the garden and our own animals. I cut down trees and carry logs and build stone cottages, which is way better than gym and keeps me in tip-top condition. I reckon I've pushed back any heart-attack etc. by many years now. Our place makes money from accommodation, selling food and other products, courses and compost making etc. I may have most of my eggs in one basket but I really like the basket and wouldn't want it any other way.
Insurance is pure grudge. If you're the sole breadwinner and your family has nothing else to fall back on then yes, you need it. Find the balance between being responsible and the least cost options, and invest whatever savings you can make instead.
