QLACs / fixed annuities could help with outliving retirement savings
Receiving disability benefits could not require lawyers / payments
Cities / suburbs / people could be too close to active volcanoes
Creditors could disclose hostile credit-default swap positions
Insurance programs could protect endangered animals
Short-term disability coverage could be easier to access
Long-term care insurance could be purchased at a younger age
Insurance could prepare for famines, pandemics, weather changes, climate change, and humanitarian disasters
The value of environmental conservation could be incorporated into insurance products
Insurance could be bought in case of job loss or disability
Microinsurance could be offered to low-income people
