What I can't understand about Select Quote Ads

Why are all the people in these commercials (who are in Excellent Health, btw) always so thrilled to be gabbing on the phone with a total stranger while discussing the likelihood that they are going to keel over within the next ten years and would like to make sure that the people they live with don't suffer any financial hardship when they do?  I mean, I'd get it if they looked pensive, thoughtful, concerned, etc.  I do NOT get why they look like they just won tickets to freaking Disneyworld instead of getting the specs on an insurance policy that will be total waste of money if they aren't fortunate enough to drop dead despite being in Excellent Health before it expires.