Should annual CT scans be given to detect early signs of lung cancer--and should insurance or the individual pay for these scans?

I do believe annual CT scans should be given to detect early signs of lung cancer.  I believe this because so many people are sort of oblivous to the fact that anybody can have lung cancer, and because of this so many people have lung cancer and dont even realize it.  And I definitely do 100% believe that insurance companies should pay for this.  Everyone in the world already pays the insurance companies so much more money than is actually required.  Most people pay insurance and never even get seriously injured or sick, thus they are just giving the insurance companies free money just so they feel that little piece of protection that is offered by insurance companies in the case that they do get injured or hurt.  Insurance companies make a big deal about giving people a few thousand dollars for experimental cancer treatment and other things of that nature, even though they know that these few thousand dollars barley even dent their pockets.  I do understand that every year the total population of the earth grows.  This means that there are more people every day that get lung cancer and require more money from the insurance people.  But on the other hand since there are more people then there are also more people who are paying the insurance companies so they are still gaining huge profits anyways.  These are the reasons i belive that lung canger CT's should be administered annually and that insurance companies should help people pay for it because its a matter of preserving the human race for endless years to come.