The risk of dying in your 30s in an accident is minuscule, while IIRC 87% of women have kids. Also, companies can get insurance on an employee death (although

The risk of dying in your 30s in an accident is minuscule, while IIRC 87% of women have kids. Also, companies can get insurance on an employee death (although limited to X% of highest paid employees): https://dealbook.nytimes.com/2014/06/22/an-employee-dies-and-the-company-collects-the-insurance/ https://dealbook.nytimes.com/2014/06/22/an-employee-dies-and... I might be wrong, but I don't think a company can get insurance on an employee getting pregnant.