Amusical theme tied to a single idea, person, or object is called a

The answer is Leitmotif. Leitmotif a periodic musical theme performing usually in operas but also in symphonic poems. It is used to emphasize the dramatic action, to offer psychological insight into the characters, and to recall or suggest to the listener extra-musical ideas appropriate to the dramatic event.

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explanation:

both focus ón people who behave in a risky way and çause accídeñ both explaín how to púrchase insurance añd cover the costs of premium. both describe what happened when consumers fail to pay their premíums in time