I totally endorse this Coventry Ad

The old people in this ad took a walk one day and got to thinking about this big life insurance policy they were paying into.  It suddenly occurred to them that they were gaining absolutely nothing from this policy- in fact, it was having a negative impact on their lives, as it was costing them money in paid premiums every. Single. Month.

To what end?  Well, if they died...then their little grandchildren would cash in.  But what good would that do these nice old people?  If the insurance policy were cashed in, that would mean these nice old people were dead.  Would they be looking down from heaven, watching these little brats rolling around on a carpet covered with insurance money?  Maybe there isn't any heaven- so the old people would never get to see the impact- negative or positive- this hard-earned, long-paid-for insurance money had on those grandchildren.  Maybe their adult children would use the insurance money to buy a vacation in Europe, or a new BMW, while skimping on the funeral costs. 

So when these two nice old people got home from their walk, they made the sensible decision to say "f---k it" to the premiums and sell their policy to Coventry for a nice chunk of cash they can use RIGHT NOW, and the next generation can take care of its own damn self.

In the heartwarming final scene, we see the little grandchildren running happily to greet Grandma and Grandpa.  Clearly, their parents have no idea what just happened to that pot of gold they were anticipating, because they are still on speaking terms with their grandparents and the grandparents are still getting visitation privileges.  If Grandma and Grandpa are smart, they'll keep their very intelligent, sensible decision to themselves, because there is No Wrath Greater than that of a Disappointed Legatee.