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This is by far the most idiotic and bigoted question I have heard in a long time.
What does "has anyone done a gay life insurance policy" even mean?
Maybe they bought the policy from Gay Life Insurance?
Gay Life Insurance
And yes, I see the irony of having a straight couple on the home page, rather than a same-sex couple.
Oh and GingerNinja... not everything in life is meant in a mean-spirited, bigoted way. Some of these terms are tossed around so often that they lose their intended meaning.
Hell, I just categorize it all as SIXHIRB: Sexist, Intolerant, Xenophobic, Homophobic, Islamaphobic, Racist, Bigoted. It's what left-winged thinking people usually resort to when they cannot articulate their position in a debate.
If You Are Not a Leftist, Why Are You Voting Democrat? | RealClearPolitics
That is why nearly all Democratic and leftist reactions to conservatives and Republicans are to avoid argument (remember, on the issues the left has few supporters) and smear them as SIXHIRB, my acronym for "Sexist, Intolerant, Xenophobic, Homophobic, Islamophobic, Racist, Bigoted." It is almost impossible to come up with the name of a leading conservative whom the dominant media have not dismissed as one or more of SIXHIRB -- and usually as a buffoon as well. This obviously serves the left and the Democratic Party in many ways. But the most important is to keep non-leftists in fear of anyone who opposes the left. In effect, the left says, and has been saying for a hundred years, "You may not agree with us, but our opponents are evil."
If you don't think it's polite, just say that it isn't polite. But don't use these terms unless it really applies.