Umbrella for protection

Bought a 36 inch golf umbrella from the Zurich Head Office Kuala Lumpur yesterday morning . It was raining heavily and I wanted my client to remember insurance company are here to lend a helping hand in times of needs not like bank when something happen they will come after you for payment. This umbrella is to protect against financial loss due to premature death , total permanent or partial disable , 36 critical illness and hospitalization & surgical expenses. This is also one of the secret of success in prospecting .Do you know that there is also a umbrella policy ?