On Jeopardy tonight, one of the 3 contestatnts was an actuary but not for people.
He worked for a "home improvement" company, and with statistics, he predicted how long your refrigerator would last. So that they could sell exteneded warrantees at the right price.
When Trebec asked him if they were as good as fridges 40, 50 years ago, he said "It a shame, it really is."
IMO, you're beter off with no extended warranty. That way your a self insurer and you get to keep the profit you'll likely make. If you really can't afford another fridge when this one breaks, buy a second-hand one.