Honestly, a gemach that pays for people to have life insurance. It should be mandatory, if you can’t afford it the gemach will pay for it.
There are only two types of people that can't afford to pay for life insurance:
1. Those that have issues, that make only rated (i.e. More expensive than standard rates, and definitely more than preferred rates) policies available to them, or no insurance available to them at all in the individual underwritten market.
2. Those that can't afford their bare necessities even while they are alive.