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Nice Lady: Ma'am, you can put your children's name even if they are currently under 18.
Pancake: Is that so?
Nice Lady: Yes, but they have to wait till they are 18 to receive the sum of money.
Pancake: Ok, that's good source of info for me but I will still put my two siblings as my beneficiary.
Nice Lady: Oh, how about your husband and your children?
Pancake: I'm not married.
Nice Lady: Oh! I'm so sorry.
Pancake: No, it's ok. My not-married is not your fault. You don't have to apologise (said in a big-sisterly tone to soothe her worries).
When I walked out of the insurance company, I reflected on the entire conversation and I thought to myself: May be the sorry is she felt sorry for me?
Anyway, no matter in what way the sorry is. I'm happy currently in the state I am in :-)