id do the same
if im payin for the insurance, im gonna use the mutha fucka when the time comes...im sure if he had insurance, he aint about to say "fuck it, i donated that money to the insurance company cuz im a boss like that and i earned some stripes for it"
if you say something stupid about insurance, while owning insurance, just shut the fuck up, u willingly/unwillingly pay for it, ur not gonna not use it