The odds that at 65 you’ll inherit a Sicilian baroque castle are zero percent.

 

 

The odds that your boss will transfer you to the Maledives are zero percent.

 

 

The odds that your son will struck oil in your backyard are zero percent.

Allianz und TBWA seem to be in touch with the inner makings of potential policy holders, perhaps by having been observant of their own experience. Best practice and good luck for you.