Which is the best definition of insurance: A. Insurance lets you pay your bills.
B. Insurance lets you pay a little for protection you might need.
C. Insurance is an expensive way to pay your bills.
D. Insurance costs a lot, but doesn’t pay for much.

I'm trying to decide between B and D, but I think it's D

Explanation:

Insurance does cost a lot, but it's so you have a bit more protection if something happens.

For example:

Let's say you get into a car accident, and you need to stay in the hospital to recover, because you broke a bone, and afterward, you need a prescription of pain medicine. Insurance would pay for your hospital stay I believe, and also pay for part of your prescription. But it costs a lot of money, and your prescription might be really expensive, and there might have been something with your hospital stay that insurance didn't pay for. So basically, Insurance costs a lot, but doesn't pay for much (answer D).