That's incorrect. You can't sue the manufacturer for deaths caused by the vaccine. That's got nothing to do with your life insurance paying out or not.

The reason vaccine manufacturers are shielded from liability is because that's the condition they asked for in return for rushing a vaccine to market without proper testing. From the manufacturer's point of view, it only makes sense to demand that protection. Governments are demanding they pump out a half-assed, inadequately tested vaccine ASAP with complete abandon for safety concerns? Ok, well no pharmaceutical company is going to agree to this without legal protection from the consequences.

And you can put that on the governments who demanded it. Sure the pharmaceutical companies manufactured the shoddy vaccines, but our governments manufactured the "crisis" that created the demand for those vaccines, and then ordered the pham companies to create and distribute those vaccines hastily.