Insurance scares me - there's so much about it that I don't understand. For example, it's fairly easy to understand how financial advisors and brokers can scam you, but insurance is a whole other beast. I feel I really need to read up on it, because it's so important.
That said, it's definitely in the insurance industry's favor to make things as confusing as possible and to use fear to get you to pay the max. I've seen cancer insurance policies, and have a friend who has one (family history), but I'm like, "WTF? Wouldn't that be medical insurance?" More nuanced, I'm sure. But still...WTF???
Haven't bothered with AD&D, but have been thinking about disability insurance to maintain income if something really bad happens. Should really research the industry more