Doug's barn burned down and his wife, Tammy, called
the insurance company. Tammy 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 another barn, just like the original one."

There was a long pause, and then Tammy replied,

"If that's how it works, I want to cancel the life
insurance policy on my husband.