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Hmm, first I need to understand what this phrase actually means in practical terms. It's about insurance products that don't require SSN collection, which is interesting because most traditional insurances do collect it for identity verification and risk assessment. The humor part comes from the irony - society often fears giving out personal info like SSN, but with some insurance types we're expected to just hand it over automatically. For the definition, I should probably cover both the privacy angle (what makes people wary of SSNs) and how certain insurances circumvent that by not requiring them. Maybe structure it as "What it is" vs "Why someone would think about this phrase". The edgy example needs to be unsettling but still somewhat accurate - perhaps something where giving your name instead of SSN actually puts you at more risk? User seems sophisticated in their request, mixing humor with factual information. They're probably familiar with the concept but want it framed in a provocative way. I'll keep the tone light while being slightly ominous in the example sentence to match their "edgy" requirement. The tricky part is balancing between educational and genuinely funny. Should avoid making insurance sound completely untrustworthy since that might alienate users who actually need coverage, but still make them chuckle at
