Ensure: v. to make certain that a subset(s) shall exist and/or be protected
To ensure that your offspring will safely get to school on time there is the school bus or you can drive them there personally by car in a timely way. You can’t ensure humans against all dangers and unwanted circumstances but that is the reality of existence.
Insurances of all kinds are attempts at protecting humans from hardship caused by accidents, ill health, and financial devastation but the more that you try to protect yourself against misfortune the higher are the insurance premiums which you pay. If you don’t have great wealth then most insurances are a colossal waste of money and the major reason why some still pay exorbitant premiums is out of pure fear of the unknown and unpredictable.
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