to get or not to get insurance

I don't have any insurance yet. Whether its by chance that I don't have one, or that I haven't considered getting any yet, is a matter of perspective. Yeah, there are a lot of companies offering accident insurance, auto or truck insurance, pre-need plans, etc. I have a vague knowledge about it and how its done, but frankly, I don't have a clue on the basics of the computations or how they come up with the premiums. I like and have contemplated several offerings though. I like the ones that offer premiums for women, like free check-ups or freebies when they give birth, I also like the ones that give you a certain amount after several years. I think this is what they call pre-need plans. But of course, this comes after paying so much to them, and the money is not as liquid as when you put it in a bank. But then again, you hardly earn at all when you put something in a bank. Money sleeps there, if you know what I mean. So overall, over putting something in a bank, I would think it would be much more worth it to put it in an insurance plan as a safety as well as an earning investment.