The email with an easy action to take would be a good compromise. Insurance’s value is that any moment they are willing to pay out. With subscription services

The email with an easy action to take would be a good compromise. Insurance’s value is that any moment they are willing to pay out. With subscription services, if you only use them occasionally, the smart thing is to let them expire and then resubscrive when you need their services. However the hassle in subscribing and unsubscribing is too high to make practical.