You can put scare quotes around insurance, but they're really just counterexamples to your claim.

Many forms of insurance include a cap to reduce the insurer's risk, but that doesn't mean such a cap is necessary for it to be called insurance. The height of the premium can be defined by law, but it's still an insurance premium.

Pensions can be hard to understand because longevity risk is a bit counterintuitive, but depending on how they work in your country they can definitely be a form of insurance.