My Parents Are Afraid Their Subconsciouses Want to Kill Me

I recently found out that my life insurance policy is worth a mere pittance compared to that of my parents.

This is not going where you think it is going.

This did not lead to me down a path of faking my parents' deaths and committing insurance fraud. It did, however, lead me to ponder upon the reasoning behind their decision.

There are two possible explanations:

1. I am young and healthy. Why would I have major life insurance? That would be weird.

2. They feared it might serve as an extra incentive to push my tricycle off the cliff when I was being particularly "precocious" and "melodramatic."

Yeah, I'm gonna go with #2.