This is one of those "tug at the heart strings" type commercials. You watch it and get a sense that people generally are good, not selfish and impatient like we sometimes tend to think. In watching I felt inspired to be a better person too. It's very apparent that the creators of the commercial were looking to dispel the "myth" that insurance companies are greedy and corrupt. They want to remind us that they are good, just like the people in the commercial. If anything they are saying that the other "people" in the world (i.e. insurance companies) are the ones that create the bad reputation.
The play on the "Pay it Forward" idea is interesting. One thing I noticed is that its not always the person shown the kindness that pays it forward, it's sometimes the person observing who is inspired to pass the kindness on. I'm not sure if there is anything deeper to that observation but I thought it was an interesting twist nonetheless. Perhaps it has something to do with the "once removed" role that an insurance company plays in our lives.
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