3)
If I were doing a thirty second commercial on insurance I would have relate it to kids losing or breaking their laptops at the school. Many people don't get insurance thinking they won't lose or break it, but I have many friends that do lose or break their laptop and end up having to pay a large amount of money. I would make it dramatic, showing how stressed the kid is, and how much work he has to put into getting money to pay the debt off. That will show the audience that its better to be safe than sorry and purchase insurance.
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