Too many times, I get this reply:
"Okay, I'll sign up."
Whether it's Health Insurance, or Business Insurance, or Workers Comp, or Disability, or even for a bloody motorcycle, y'all think you're "signing up."
You are BUYING. You sign up for a club, you sign up for a golf tourney, you sign up for a Rugby team. You sign up for a gov't program...and we all know how those go.
Once you realize that Insurance is a purchase, like buying a house, car, or clothes, you'll take it more seriously.