Write a paper that uses game theory to to set up a game designed to help a consumer decide whether to buy life insurance or not.

Write a paper that uses game theory to to set up a game designed to help a consumer decide whether to buy life insurance or not. To keep the game relatively simple, assume the life insurance being considered is term life, i.e. insurance without an accumulating investment value.
Keep in mind that your paper is going to be read by people without prior knowledge of game theory.