What is the definition of Insurance 18 Year Old?

An 'insurance 18 year old' is like a teenager who's so scared of getting into trouble, they've decided to invest in life insurance just to be prepared for the inevitable. It's as if they're saying, "Hey, if my car gets stolen or my phone burns down, at least I'll have some peace of mind."

---

Now, here's an edgy example sentence: "With his insurance 18 years old and a skateboard, he decided to take a wild leap off the curb, convinced he was invincible until someone—or something—found out he was."