On F-14 the Flight Insurance is an actual ball save that returns ball to shooter lane after a Yagaov kicker drain or on last ball if score is low enough, depending on game settings.
Think F-14 was first game to have an actual ball save.
To bad this option is turned off when you set the game to "no extra balls".
The game "sees" the flight insurance as an extra ball.
I wish there was a way to keep the flight insurance, but no extra balls.
Peter