" If Wt tries to pull off the same thing there as the do in the usa they may be dissopointed."
Insurance or no insurance, they will be exploiting the response of well intended people to others in need. The Watchtower will ask for donations to help the brothers and sisters affected by the earthquake... and keep it. The help actually will come directly from the hard work and hard earned money of other brothers and sisters...and the donations, except for few dollars to disguise the scam, will disappear.