The commenters on this ad get it right, especially the one that suggests the guy should NOT drink that coffee before checking it for arsenic. I'd go one better and have a mechanic come over to check the breaks on his car, too, because this woman is a Black Widow in the making.
Her "horrible dream" doesn't involve being left without a husband and her child being left without a dad. It's them being left without enough money to maintain the lifestyle he provides. It was a "nightmare" because dad's unbelievable selfishness in getting himself killed in a car accident before signing up for life insurance left her actually having to go back into the work force to pay for all the stuff he currently pays for. Did she wake up upset about losing her husband? No, she woke up upset about the sudden upending of her financial situation.
Fortunately, Dad is pretty clueless and not really listening- or has become numb or really good at filtering what his scheming, gold-digging, Machiavellian wife says to him, and quickly buys into the idea that he should buy a lot of life insurance.* Why a relatively young, apparently healthy man would buy from a company that offers insurance without any medical examination I can't explain; it's pretty much the same as a person with an 800 credit score, money in the bank and credit cards getting his tv and furniture from Rent-A-Center, but whatever. Dad now knows that his wife will sleep peacefully at night, knowing that if he's in a terrible accident- the brakes fail, or he falls down a well with no witnesses around, or he mistakes mysteriously tasteless rat poison for creamer, there are so many ways a person can Accidentally Die which do not violate the conditions of a life insurance policy, after all- his wife and kid can continue to live in that big house and drive the Lexus SUV he got them for Christmas last year and not worry about bills. If they need physical labor done around the house, Ralph the neighbor across the way whose wife died in a tragic taco-eating accident last year is always available to help out, he's so friendly and nice and come to think of it, he works for Ethos Life man it's a small world.
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