I know it is sudden, but can you tell me the reason why you joined life insurance? Is it for protecting yourself or your family in case something happens? Whichever it is, I guess that you joined because it is for if something happens to yourself. The risk management for a company will play a same role as the insurance for individuals.
If it is a 'company', people get together and form an organization. Therefore, the incidence of problems for a company is large compared with the one for individuals. A point is whether the company has a system set up in their daily situation in case a crisis occurs, becomes a key factor in a company can avoid going into bankruptcy.
As we can see from those incidences, such Mitsubishi motor's hiding the recall, and Snow Brand's food poisoning, Senba Kiccho, Meat Hope Inc, Livedoor Co., Ltd etc, the companies which don't carry out risk management and don't have an emergency procedure will end up facing sanction from Japanese society. How about a system in your company?
This is one of PRest's jobs. We support the formation of a secure and trustable system to be prepared for the time when a crisis occurs.