The insurance system in Finland is quite different to US, and the insurance portfolio doesn't play that significant role for example when you're negotiating employment contract. I won't start comparing the two systems in details, but check out two very practical and affordable insurances:
Heijastin - reflector. That's your life insurance. The driver sitting behind the Audi wheel cannot see you crossing the road by foot unless you wear a reflector.
Kumisaappaat - rubber boots. Your health insurance. Keeping your feet dry helps you to keep the flu away.