Children were old-age insurance.  Civilization, laws were insurance against violent death.  Food storage was insurance against famine and disaster.  Ghost cult was insurance against disaster.  Industry grew up as insurance against famine.  Religion exacted burdensome premiums of fear, superstition, dread, and priest gifts. 
Old-age insurance in continental nation.  Reserves against risk of incapacity in light and life.  Society lessens risk in individuals’ living.  Wise investment of earnings against future adversity.