My guess they’ll soon be offering terrorism insurance. They’ve probably had actuaries figuring out how much terror it’ll take to “create the need”. AFAIK they don’t ordinarily cover damage due to war or insurgency.

One other thing, about double indemnity for accidental death. It’s actually “by accidental means” which means for instance if you died because the car you were changing oil on fell on you because you placed the jack improperly it’s not by accidental means, so unless the jack itself malfunctioned which would be “accidental” it’s not going to pay double. It’s a scam. All of it. Including so called medical insurance.