Oh, yeah, and make sure you tell your agent the truth...

Did you know that it's bad when clients lie to their health insurance agent?

It's true.

"Bob, have you ever been hurt or injured, either playing Rugby, or elsewhere?"

"No, BMK, I'm the Llama of perfect health."

"The Llama? Really? That's amazing."

"Oh, yes, very healthy, the Llama."

Then the app gets sent in.

And he has herpes simplex 34, from having sex with Llamas.