Here's a point to ponder ...
Will your life insurance company pay your benefits if you're killed while riding & wearing a Non DOT helmet?
After two years everything is covered.
And yes, they would. Same as if you weren't wearing a seat belt in a car. Hell, most states don't even have helmet laws so it's not even the same thing.
Life insurance is something I believe in. It's cheap and my wife will be taken care of and not have to sell the house/property if I die. If you have kids and your family depends on you as a main
provider, then it's pretty stupid to not have life insurance of some sort.