What is the definition of Insurance Carrier?

An insurance carrier is like a cosmic insurance agent, but instead of just covering your house from fire or theft, they cover you from the existential dread of not knowing why your life feels like a bad comedy sketch gone wrong.

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Here's an edgy example sentence: "After realizing my insane anxiety levels were now insured by a carrier that only takes payouts when you're laughing at the world, I signed up for their 'Catastrophic Misfortune' policy."