Oh, I know about the insurance thingy, I pay extra for health, auto (no reportable accidents in over 10 yrs/100000 mi.), homeowner's, life insurance, and lose 5 minutes of every 10 minute bum's rush doctor visit to the 'Lecture' about the eeeevils of tobacco.
It is a good thing I can smoke a cigarette after all that BS, it keeps the homicidal urges at bay....(8^D)