Why Is It More Difficult to Choose a Good Life

Why is it more difficult to choose a good life insurance policy than it is to choose a good auto insurance policy?

A) people don't like thinking about death or dying, and thus cannot be objective in the selection process
B) most people rarely need life insurance, while auto insurance is required by law
C) life insurance policies are not standardized, while many non-life policies are
D) both b & c above