Not to bring a down to the thread but you did ask.
My dad was killed doing a lift a long time ago back when the industry was tight & cash was even tighter ( can you imagine LOL ).
Only a few days or weeks prior ( I cant remember & am not asking my mum, the folks decided to cancel his insurance (had been paying it for along time without incident) as it was costing a packet & they were real tight for cash but would resume paying it when there was more work available.
He was a Chief Flight Instructor with plenty of hrs so the risk was low.
The accident was not his fault but the fault of the ground handler on the job.
My mom was awarded the maximum payout available at the time after a long court process & that was $64K.
It didnt go far and took too long to get.
The choice is yours I guess.
HF