Larry's barn burned down and his wife, Susan, called the insurance company.
Susan spoke to the insurance agent and said, "We had that barn insured for fifty thousand, and I want my money."
The agent replied, "Whoa there, just a minute. Insurance doesn't work quite like that. An independent adjuster will assess the value of what was insured, and then we'll provide you with a new barn of similar worth."
There was a long pause, and then Susan replied, "If that's how it works, then I want to cancel the life insurance policy on my husband."