Evil multi-billion dollar corporations that earn a profit from your premiums, and then find any loophole they can so they can refuse to live up to their responsibility in order to save money.
An insurance company is really a legal form of fraud.
An affiliation of pirate-gamblers who accept bets called premiums. The dollar amounts of the premiums are non-negotiable but the amounts of the claim settlements, should the company lose the bet, are rarely delivered without argument.
Bob payed his premiums faithfully for years but the insurance company steadfastly refused to pay his legitimate claim.