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Funny Insurance Thoughts: 1: If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance. 2: Without health insurance, getting sick or injured could mean going bankrupt, going without needed care, or even dying needlessly. 3: If there is anyone dependent on your income - parents, children, relatives - you need life insurance. 4: Fun is like life insurance; the older you get, the more it costs.