insurance to protect the value of the human life; broadly, life and health insurance, plus those contracts designed to provide retirement security, insurance where the risk relates to the insured’s person, that is his life, health, physical well-being and fitness, kindlustus, kus risk on seotud kindlustatu isikuga, s.o. tema elu, tervise, füüsilise heaolu ja heas vormis olekuga