In climate-environmental discourses, apocalyptic visions with happy endings are mobilised in the hope of spurring action: yes, things are catastrophic, but if we take notice and act now, then the future will be better and brighter! For example, representations in science and media frequently tout the possibility of reversing global environmental change and returning to a safe and flourishing Earth. Yet, the merits of such representations belie the physical and social complexities of our problematic global trajectory. In this chapter, I describe complex biospheric interactions that are contributing to global environmental change including worsening climate change. Drawing on insurance as my empiric, I discuss how social forces intersect with this biospheric change to exacerbate patterns of inequality and inequity. Governments and insurers often present insurance as a universal necessity and social good, negating both its uneven distribution and how insurance produces both positive and negative outcomes. Depending on who you are and where you are, happy endings can be hard to come by, and insurance can shape the outcome. I argue that this insight demands that we reimagine apocalyptic visions and end-of-the-world stories. I conclude by signposting how a critical approach to collapse enables such a reimagining.