Had not been possible to buy life insurance in Ancient Rome whose premiums would have been highest?

In ancient Rome, if life insurance had been available, the highest premiums would likely have been charged to individuals engaged in high-risk professions, such as gladiators, soldiers, or sailors. Their occupations involved significant dangers and a high likelihood of premature death, making them riskier to insure. Additionally, wealthy individuals might also face higher premiums due to the financial implications of their untimely demise, as their deaths could lead to substantial economic loss for their families or businesses.