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What's the point of Insuring Secure Containers?


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From what I've been hearing about the Secure Containers, they'll hold onto your stuff even if you die, and be returned to you after death.
My question is, What's the point of insuring them if that's the case?
As it stands right now, It's only wasting a solid 15k rubles I could have used on something else.
Do items in the box go missing if the box isn't insured?

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I think it's just an option, you do not have to insure your secure container.

You will not lose your container upon death, or any items inside the container. This is an item that only you can physically remove by selling or dropping it.

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