"I'd like to buy some insurance, but I don't know much about it." "You need my special indemnity casualty whole life umbrella rider binder." "What does it cover?" "I can't answer that directly?" "Just read that list of exclusions. Anything not in there is covered." "Does it cover acts of God?" "Yes, unless you pray to the wrong one." "How do I know if it's the wrong god?" "If you buy this insurance, and lightning doesn't strike me, try another god."