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  MrSassypants  |  32

#17, if you want to stop plot twists joke, you shouldn't make them. That's like replying to "that's a shitty situation" with "that's a shitty joke."

  \  |  28

You just never know when jokes go out of style in the FML world. FML is an enigma.

  HJKM_fml  |  19

Probably added on some "much needed" benefits. Insurance companies can be tricky like that. OP next time, don't be afraid to say no and hang up.

By  zoegirl_455  |  30

They tricked you! Next time get out a calculator and pretend to calculate everything they offer you. It'll freak them out and show them you won't be fooled again!