A man goes to an insurance company and says,
I want to get a life insurance policy.
The agent asks, What is the purpose of this policy?
The man says, I want to make sure my family is taken care of when I die.
The agent says, "Sir, that's what insurance is for."
The man says, "Okay, but what if I don't die?"
The agent says, "Sir, that's what you should hope for."
The man says, "But what if I do die?"
The agent says, "Then you will be glad you have insurance."
The man says, "But what if I die and I don't have any money?"
The agent says, "Sir, that's a problem."