Insurance companies make money from playing on people's fears. They know that many of our anxieties are unreasonable. They know that we worry more than we ought to about unlikely developments. Our apprehension becomes so acute that we continue to entertain it, even when presented with reassuring statistics. But they trust those statistics and they know it is a safe bet to sell us the protection that we imagine we need. To what extent now are you allowing an unfair fear to sell you something you don't need?