Bill's barn burned down, and his wife Polly called the insurance company.
Polly told the insurance company, "We had that barn insured for fifty thousand, and I want my money."
The agent replied, "Hold on just a minute, Polly. Insurance doesn't work quite like that. We will ascertain the value of what was insured and provide you with a new barn of comparable worth."
There was a long pause before Polly replied, "Then I'd like to cancel my husbands life insurance."