After their house burned down, Mary Ann, his wife, called the insurance company. Mary Ann tells the insurance agent, "We had that house insured for one hundred thirty thousand dollars and we want our money." The agent replies, "Whoa there, just a minute. It doesn't work quite like that. We will ascertain the value of your house and provide you with a new one of comparable worth." Mary Ann thought for a moment and then told the agent, "I'd like to cancel the policy on my husband."