Insurance is only worth the money if it truly protects you and your finances. At this time in life, as you approach retirement or semi-retirement, it's wise to re-examine your current policies. That way you'll know that you have what you need -- and you're not wasting precious dollars on what you don't.
An "Act of God" occurs naturally without human activity. It is frequently associated with violent weather events but may include unexpected medical conditions. The key to successfully asserting the defense is a factual determination that the event was unforeseen and could not be prepared for or mitigated by human activity.