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America, Family, hail, hell insurance, humor, Iowa, margaritas, Midwest, national tortilla chip day, tortilla chips
Happy National Tortilla Chip Day!

Pass the salsa. [In honor of the bottomless bowl of tortilla chips and salsa in Des Moines Iowa, I’m revisiting a blog post from some years back.]
I went to Des Moines, Iowa. Yes, I did it on purpose and I’d do it again. After living in the UK for several years, it was a bit disorienting to hear American voices in Des Moines, where they speak a version of English. But it is the home of the absolute friendliest people on earth and almost everything in Des Moines is practically free.
On the (free) hotel shuttle, the driver told me West Des Moines had everything that you could find anywhere else in the United States. And it was cheaper. And if they didn’t have it, you probably didn’t need it. Over the (free) hotel breakfast, the waitress told me that we should visit the (free) art museum because they had a terrific Matisse collection on display. And in the (free) hotel laundry room, another lady confided that her business trip had ended four days earlier, but the hotel was so nice and so affordable, she just told her husband there were more meetings and stayed on to give herself a little holiday. She had, she told me, three teenage children home for the summer and not one of them had gotten a job. I asked her how soon they would be leaving for college, and reminded her that the hotel had (free) wifi and a very nice gym. With a jacuzzi and a sauna. She looked thoughtful.
After less than a week at the hotel, the desk clerks were asking how we liked the dinner at the restaurant we’d gone to the night before. They knew about this because their cousin’s neighbor’s brother had spotted us there. Of course he did! We were the huge group in the corner whooping it up on pitchers of margaritas, bottomless bowls of tortilla chips and salsa, and platters of Mexican food which came to a grand total of less than $100 for fourteen people. Counting the tip.

My sisters and I believe in quiet, dignified margarita consumption. At least, that’s how I remember it…
When we got back to the hotel, I spotted my brother in the lobby. He was listening to a woman sitting in the bar, and looking like he’d won the lottery. So of course I headed right over. He told me that his new friend was in the insurance business. She nodded. “We sell hell insurance.”
I didn’t think I’d had that many margaritas. “Excuse me. Did you say hell insurance?”
She nodded proudly (narrowly missing falling from the high bar stool). “We’re the oldest hell insurance company in the country.”
My jaw dropped, skittered over to the corner, and leaned itself up against the wall. “Hell. You insure people against hell? I always thought you just had to take your chances with that.”
“Oh, honey, we invented hell insurance.” She nodded so hard she did come off the barstool this time. I waited while she climbed carefully back on. “Been selling it for over a hundred twenty-five years.”
(I looked her over. She didn’t look a day over 120 to me, but I sure hadn’t had enough margaritas to mention that.) I was curious though. “Um… have you ever had to pay out on a policy? Because, it seems like it would be pretty hard to prove someone’s claim.” I thought about it. “Of course, I suppose there are a lot of churches who take up collections every week, so technically they’ve probably been in the business for longer than you.”
My brother was laughing so hard, I thought he’d hurt himself. But the insurance lady didn’t seem to notice. “Oh, sure we get claims all the time. There’s a LOT of hell in Iowa. Especially these last couple of winters.” She stopped and gave me a worried look. “But I never heard that churches were in the business. That could be bad because I don’t think they have the same reggae we do.”
“I don’t think most of them are into reggae,” I agreed.
“That’s going to take some…” She looked surprised by her empty glass. “Another drink.”
On the way up in the elevator, my brother broke the news to me that the insurance was probably against the kind of hell that comes down from the sky in frozen chunks, and the churches likely aren’t into reggae OR regulations. So I’m now back home in Glasgow, where they say normal, familiar things like, “Happenin? You wint tae cum to ma bit cos I’ve goat an empty ra morra ‘n a fancy a swally?“** but there’s no insurance policy if you gang tae hell.
[**Translation for those who don’t speak fluent Weegie (Glaswegian): “How are you doing? Would you like to come to my home and join me for an alcoholic beverage?”]
I’m glad you revisited the story. This was a hoot.
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Thanks so much!
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love this, love this!
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Thanks Beth! (You must have been to Des Moines.)
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no, but i know the kind of city you described )
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Roflmao! TIL that West Des Moines even has (free) entertainment! 😁 I guess Voltaire took out hell insurance, too, when on his death bed he was asked to renounce the devil and said something like “this is no time to make new enemies”…
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Haha! And then there’s Niccolo Machiavelli’s (supposed) last words: “I desire to go to Hell and not to Heaven. In the former I shall enjoy the company of popes, kings and princes, while in the latter are only beggars, monks and apostles.”
— but that was probably just because he couldn’t go to West Des Moines.
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lol! Or to an island off the coast of Scotland? 🙂 One of my favorite last words are Groucho Marx’s (supposed) “Die, my dear? Why that’s the last thing I’m going to do”…
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Hahaha. 😀 That was great! I would like some hell insurance. Or maybe another drink. Yup, probably another drink. 😉
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Hell insurance without the reggae. (Although I’m pretty sure the insurance salesperson went for that other drink.)
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LOL We’ve definitely got hell insurance in Florida, only it’s called sinkhell insurance here. As opposed to her’cane insurance (nope, that’s not about little old ladies getting hit while crossing the street), which is even more expensive.
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You can insure against sinkhells? You must have some very scary traffic issues.
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Yup, it gets a little hairy when the road disappears out from under you.
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I can see where that might be disconcerting. (And by that I mean O Holy 💩!)
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Yup! Occasionally sinkholes swallow whole houses, but not so much in our area. But one road leading out of town had half of one lane collapse. Definitely Holy S**t time!
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It’s got tofly as a business model.
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I have to admit it. I have no idea what tofly is.
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A particularly pernicious midge..
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Tee hee…Do not deny it, you were the broad who bared her shoulder…Can I come along on the next trip, please! xx
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I can honestly say that nobody has ever mistaken me for Sandra Bullock. But thanks! You can come on ALL my trips.
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I got the first part of the Weegie and then lost it! Hell insurance sounds just about right for Iowa! We have a place here with bottomless tortilla chips but I like mine with guacamole (which is NOT free)!
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Those bastards! They always get you on the guacamole.
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Ha! Ha! I needed that laugh today! This reminds me of the Australian woman who was visiting Canada and was stopped by an RCMP officer for driving on the wrong side of the road. He said, “Lady, did you come here to die?” She smiled and said, “No sir, I came here yesterdie and plan to stay for a couple more dies.”
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Bwahaha!
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Scotty, beam me to Des Moines!
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Hahaha a great morning chuckle!!
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Loved it all, but particularly the Hell insurance!
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