poor choice of ads

when i've watched shows about babies on tlc, all the commercials are for baby products. or when my kids are watching their channels, the commercials are for toys and kids' entertainment. so why, when i'm watching 'new detectives' or 'fbi files' about murder cases, instead of commercials about security systems or detective services, are there a bunch of life insurance commercials? are they trying to encourage motive for more murders so they have material to work with?