Gun-control laws don't inhibit criminals, who rarely buy their guns in stores. But the laws do prevent you from defending yourself. - Harry Browne

The insurance company has a strong motivation to make no promise it can't keep, and to keep every promise it makes. The police have no such motivation, since they are usually immune from any prosecution for failing to protect you. Thus you can't reply on the police (or any other government agency) to protect you. You must depend upon your own ability to repel an attacker.

If an individual is required to give up his own happiness for society, of what value is society to him?

Since government supposedly can do whatever it sets out to do, the president should sign an executive order outlawing death. However, as with all other laws, Congress should be exempt.