It's bad to let insurance coverage lapse.
Lana and Rick are going through their mail and Lana hands Rick a letter from their insurer saying their coverage is lapsing.
Rick wants to say something to Lana about the letter.
Rick tells Lana not to worry about it, he's already sent a payment and the letter is out of date.
Rick tells Lana not to worry about it, that insurance is a scam and that they should let it lapse.
Lana is happy that Rick is on top of their finances and is happy their coverage will continue.
Lana is worried that Rick doesn't understand the risks of life and is concerned about their financial future.