I recently received an interesting ad in the mailbox: "Protect your family's harmony. Buy a life insurance." Now then, this is all new to me. I knew insurance was good for many things, such as giving my kids a good education, leaving them stable financially should I die unexpectedly, providing for my own old age when I'll need scores of pills for anything from rheumatism to dementia. But never did I imagine I could insure my family's harmony. So I called the guys. Blah, blah, the usual rosy presentation of the company "which was not adversely affected by the world economic crisis" (good for you guys!) and the litany on the importance of being aware of the unforeseeable perils of the future (I'll sign up for a tarot reading and weekly counseling with a soothsayer of impeccable reputation). After the litany was over I started with my burning problem: the family harmony. I am aware of a thousand things that may trouble the harmony with my significant other. For one, I may get fat and full of wrinkles in the future, and he may cheat on me with a younger, thinner woman. What kind of protection do I get with this insurance - will they give HER a secret potion to drink and instantly turn her 80 years old? Then, my man may lose his job and start drinking - men usually do that in stressful situations. Will they get him a good job and put him in rehab in a private, discreet and luxurious clinic? My kids (when they are born) will drive me crazy until they're old enough to walk, talk and go to the toilet by themselves. Will the insurance cover my self-esteem rebuilding classes, plastic surgeries to return to my former figure and sleeping pills? Will the insurance... then I realized I was talking to myself; they had long hung up. Duh! If you can't trust an insurance agent to listen to your worries these days...