You’re missing the point.
PP was stating people should be careful what they wish for as they never know what’s around the corner ie the event hasn’t happened yet. Thats what insurance is for…
Clearly insurance isn’t for events that have already happened…by definition.
However, there are still ways to get insurances for yet to come events that discount your history. Many insurances that you can buy through workplaces operate like this. I’ve personal experience as I’ve had to go down this route for a few insurances for a couple of reasons (one medical meaning insurers don’t touch it, the other I do what insurers consider high risk activity so exclude it).
So it’s possible. But clearly only for risks yet to materialise