They are, it's called life insurance.
I was talking to the person doing my physical and he mentioned that most men he sees are being ‘nagged’ in to buying insurance by their wives after a baby.
I found that to be interesting. It’s ultra irresponsible to not have some coverage, and if I were on the other side, I would nag too.
https://news.wfsu.org/wfsu-local-news/2010-05-07/walmart-sue...
Not sure how that panned out in the long run...
https://www.businessinsider.com/is-there-a-dead-peasant-life...