Moral Hazard

With the tremendous amount of snow we have had lately, my roof has started to develop some ice dams.  So a little while ago, I climbed out onto the roof to shovel off as much snow as I could.  The conversation as I exited through the window went something like this:

My wife: Be careful.

Me: I will.

My wife: It's slippery out there.  I don't want you to fall.

Me: Well, remember that I have a lot of life insurance.

My wife: Ha. Ha.

Me: But I don't have nearly as much disability insurance.  So if I do have an accident, make sure the fall kills me.