I came to you because you are very healthy now. You are really in good health now, but can you promise not to go to the hospital all your life? Have you been so healthy all your life?
If you can guarantee it, you really don't need insurance. But if you can't guarantee it, why not give yourself a guarantee when you are healthy and the rate is cheap?
No one can predict what will happen in the future, so in the face of various objections, sometimes there is no need to entangle. Just give a few examples.