Here’s a story I heard at a convention of disability insurance sales professionals:
A woman answers a knock on her front door late on a stormy night only to find a police officer standing there, water dripping from his rain gear.
“Oh my,” the woman says. “My husband was in a car crash!”
When the officer confirms her fears, she asks, “Is he dead?”
The cop answers: “I’m sorry, ma’am, but it’s worse. He lived.”