A: Ha! No, you can't. That's not how temporal insurance works. We don't insure against your own incompetence. That's on you.
Q: What if I'm not trying to kill myself, but rather, my great-grandfather?
A: Ah, well, that's a whole different story. We do offer a "Temporal Family Intervention" policy, but only for an additional 50% premium. Don't worry, our time-traveling agents will... "encourage" your great-grandfather to make better life choices.
Q: Can I insure my pet time-traveling goldfish?
A: No, we don't cover aquatic life forms with the capacity for time travel. They're on their own, buddy.