Just lately I've been closing down various accounts and insurances - some even giving a small return in the process.
All of these were connected with critical illness, accidents redundancy etc. but now, my major outlay is finalised. My home ('Alice' according to a psychic) is all mine. The last payment was made this month and the mortgage lender has formally relinquished any interest
Neither accidents nor illness will stop me paying a mortgage that no longer exists, and healthcare here is good enough for that to not be a worry.
If I wanted to I could officially retire in less than 6 months and draw a full pension - but I'll most likely carry on in a reduced capacity as I mostly enjoy the challenges, and the money gives me a good lifestyle.
This is a surprisingly liberating experience!