“What does it do for us?” I asked.

Vance pointed his silver pen at paragraph fourteen on the third page, where three lines of bold text were underlined in red ink.

“You’re listed as a named co-insured parent on this policy,” Vance said in his crisp, deliberate voice.

“Under Ohio insurance law and this specific rider, your husband can’t change, restrict, or cancel coverage for a minor dependent on his own without a signed court release or the consent of both spouses.”

I stared at the black ink on the white page, tracing the legal wording with my thumb.