Health insurance
These days, for people of working age, good health is the normal state, and few people consider what would happen if , due to ill health, their career was interrupted or even stopped. For others, the risks are of frailty in old age.
This group of insurances covers all these issues - from getting fast and effective health care, to providing lump sums for more serious problems, to providing income where long term ill health prevents you working, to providing for the (potentially life savings destroying) cost of old age care.
In short, they are all about maintaining your Quality of Life in adverse circumstances.