There is a legend of three horsemen crossing the desert at night.  Out of the darkness came a voice commanding them to dismount and fill their pockets with pebbles.  After they had obeyed and remounted the voice declared, "Tomorrow at sun-up you will be both glad and sad".

When dawn came, they reached into their pockets and discovered not pebbles, but diamonds.  Then they were both glad and sad ~ glad they had taken as much as they had, sad they had not taken more.

And so it is with insurance.