Why not have "career change" insurance?

So it pays out if you decide you chose the wrong career? It would be challenging for any agency to make that profitable. Why not just engage in the age old practice of saving a stash of “f you” money, so when you decide you’re not going to put up with an employer (or industry or field) anymore you can cash in and retrain

Most insurances don't pay out unless something bad happens to you that you wouldn't voluntarily do – even the job loss insurances (from governments, credit cards, etc.) only pay out on involuntarily unemployment, not if you quit or change jobs on your own accord.

A career change insurance would just be used by anyone unhappy with their current jobs (which is most people, some of the time, and a few people, all the time). The insurer would go bankrupt in a few weeks.

Like most things in life... the answer is: It depends. In the case --> mostly on the price and the ratio.