What is the definition of Insurance Score?

An 'insurance score' is like a personal risk assessment, but instead of checking your credit card balance, it checks your lifestyle choices and habits to determine how likely you are to get into an accident or trip over your own feet. It's the actuarial equivalent of a high-stakes game of 'Who'll Get Ticketed First?' but with less suspense and more insurance claims.

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Here's an edgy example sentence using this term: "After my reckless weekend of skydiving, binge-watching cat videos, and skipping my morning coffee (which I know is a surefire way to get into an accident), my insurance score plummeted from 850 to 30, leaving me wondering if I was a human roller coaster or a cosmic circus act."