Immaculate Conception, Alien Abductions & Your Period. There’s Insurance for That!

Recently I ran across an old movie “My Blue Heaven” while flipping channels. It starred Betty Grable & Dan Dailey. It made me think of when I was young & the time my Grandmother told me that Betty Grable insured her legs for $1 Million with Lloyds of London. I remember thinking her legs must be made of gold & that was why someone would pay her that much money if they were damaged. Later I figured it all out; she had regular legs just like mine but if something had happened to them, she might not have had a career, so of course she had them insured. As I watched her singing “I Love aNew Yorker” in that crazy outfit (what IS that, anyway? A Maid uniform?), I wondered what other things were so important to people that they wanted to have them insured? If I had been watching the movie at the theater in the day & age it was released, I’d have to go to the library & do some major research to satisfy my curiosity. Thankfully, it’s 2012 and there’s Google (not to mention microwaves, comfortable bra’s & smart phones). Here’s a list of 10 things you might be surprised to find out you can actually get insured:

1.       Falling Satellites - Well, you actually don’t need coverage specifically for this. It turns out that if this were to happen & affect you or your home, most standard homeowner’s policies would cover any damage to the house. The same goes for your health insurance if the satellite actually hit you. If you die as a result, your life insurance will take care of it. If you didn’t die as a result, I’d suggest you play the lottery because those are some odds!

2.       A Career-Ending Argument - Not getting along with your business partner? You might take a lesson from Bud Abbot and Lou Costello, who got a $250K policy just in case they couldn’t make the show go on due to a disagreement. 

3.       Your Marriage - SafeGuard Guaranty Corp. will pay out on your policy once you send them proof of your Divorce. Ok, so I’m not that surprised by this one, are you? 

4.       Immaculate Conception - Goodfellow Rebecca Ingrams Pearson (GRIP) insurance brokers out of London offers a policy for those who worry they may wake up pregnant, through no action of their own. Yes, apparently there is a demand for these policies (4,000 have been sold) & they will pay out if the “Who’s Your Daddy” test points to a divine entity. 

5.      Dis-Member-ment - John Wayne Bobbitt would have received $1.5 million if he had this $150 a year policy. Do I need to say anything else? 

6.       Your Taste Buds - In 1957, the food critic Egon Ronay insured his for $400K. Any food bloggers that need extra cash? Hmmmmm... 

7.       Bedbug Infestation - I wonder if they know they’ve caused such a stir in the insurance industry? Ick.

8.       Fudged Ink 

If you want a tattoo with words & you don’t want to ask your artist if they did well in school, at least make sure they have liability insurance. I sure hope these people  did.

9.       Alien Abduction - Good ol’ GRIP offers this policy, too. I’ve even seen that it pays double if you are impregnated. I wonder if it would be quadruple if you had twins? 

10.   Your Period - Can you imagine anything else that would save you from more embarrassment, mess, or hassle? Yes, there really is Period Insurance. For just a few dollars more than it would cost you to run to the store for your feminine protection, Aunt Ruby (www.auntruby.net) will send it to your door right in time for your cycle, every month. When you figure in ruined clothing, last minute trips to the store & the high cost of base-level product at convenience stores, it actually costs much less. That doesn’t even include all the favor points you ‘spend’ when you ask your hubby to stop watching the game & go to the store for you;) 

References:

http://www.iii.org/articles/are-falling-satellites-covered-by-insurance.html 

http://ozmonmedia.com/2010/02/01/you-can-get-insurance-for-that/

http://www.shortlawfirm.com/CM/Articles/Concerned-about-Divorce-There-Insurance-For-That.asp 

http://findarticles.com/p/articles/mi_m1318/is_n10_v52/ai_21136401/

http://www.tridentagency.net/About-Us/Our-Blog/Theres_Insurance_for_That
http://articles.courant.com/2011-07-19/news/hc-bedbug-insurance-20110708_1_bedbugs-aon-risk-solutions-willis-north-america
http://www.insurancequotes.com/tattoo_insurance/
http://mcveyinsurance.insuranceblogspot.com/blog/whacky-insurance-claims/
http://kevinspraggett.blogspot.com/2010/03/what-cant-you-insure.html