Yes, their is no doubt insurance companies existence on Earth have serve in a positive capacity to saving lives and rescueing some persons from suicidal thoughts when they encounter damages to their property. Without them, their could've been more fatalities due to suicidal thoughts when unbeknownst circumstances take away some persons precious belongings that makes life worthwhile.
We can't dispute that insurance never served in a positive capacity rescueing people when they thought everything is lost. That's why it is advised we should seek insurance even if we aren't having challenges at the moment. Cos life is full of unwanted surprises. Our happiness can turn sour tomorrow due to challenges to health, life and our property. But with insurance we are covered in the aforementioned dangers and get benefits back when the unexpected occurs.