If you were looking for the article about the book, then see Life Insurance (book).
If you were looking for the article about the contract, then see Life Insurance (contract).

"Life Insurance" is a SpongeBob SquarePants episode from season ten. In this episode, a misunderstanding leads SpongeBob and Patrick to try and prove to Squidward that their life insurance protects them from any danger.



SpongeBob wakes up from bed but falls on Gary after his foghorn alarm clock sounds. SpongeBob says that he is not feeling good about his life and Gary pushes SpongeBob out of the room. SpongeBob suddenly falls down the stairs, crashes into the wall and the toaster, and then crashes onto his TV.

The TV suddenly turns on and an advert for life insurance appears. Gunther Fitz, who appears on the TV, then interacts with SpongeBob about getting SpongeBob's life insurance. Gunther Fitz is trying to get SpongeBob life insurance by making him sign a contract through the Television. Patrick then comes to his door to meet him to send him his mail. Patrick excitedly jumps around, but then suddenly asks what life insurance is. SpongeBob tells him that, by his interpretation, for the rest of their lives they are protected from being hurt. Patrick disagrees on the contract, but SpongeBob tells him to try to get hurt to test the life insurance. Patrick then agrees to get hurt to test it.

Outside, SpongeBob and Patrick have a pillow-fight. Meanwhile, Squidward shows off his new toupee in the mirror. Squidward gets angry and tells SpongeBob and Patrick what they are doing. SpongeBob replies that he and Patrick are attempting to hurt each other. Squidward walks off but suddenly has an idea of telling SpongeBob and Patrick to hurt each other with harder objects. Patrick then is handed a rake, which he uses to golf Squidward back to his house. Patrick then throws the rake into Squidward's house, disbelieving that Squidward got hurt. Squidward then suddenly finds his toupee on his nose, thinking it is a sea spider, and then bangs himself with a rake in an attempt to take out the "sea spider."

Meanwhile, SpongeBob and Patrick continue trying to get hurt by falling off objects several feet high. Squidward gets annoyed, and then tells them to fall off something higher. SpongeBob and Patrick then try to summon jellyfish to allow themselves to get stung. Squidward gets surprised, accidentally dropping his toupee into the toilet. He quickly retrieves it and re-puts it on his head. Squidward then asks what they are doing, and replies that they are having their "final test" by attempting to be stung while having life insurance. A large jellyfish is summoned and zaps Squidward.

Because of that, SpongeBob and Patrick recommend Squidward about life insurance. Patrick even tells him about their recently made dangerous obstacle course which they name the "Sushi-Maker." SpongeBob and Patrick give him life insurance and he initially disbelieves that it will work. After several near-misses, he soon agrees and runs off to do dangerous activities, including running through a "brick wall" that turns out to be a super large canvas and intimidating a tough guy.

SpongeBob and Patrick then come to meet Squidward and are concerned about his reckless behavior. Squidward then licks an ice cream that had recently been dropped on the floor. Squidward then arrogantly tells them that he will try The Sushi-Maker.

Near the obstacle course, Squidward climbs up a very tall ladder to jump into a pool of hot lava. Mr. Krabs happens to walk towards SpongeBob and Patrick to ask about what is happening. They reply to him that Squidward is proving that he is invincible because of his life insurance. Mr. Krabs then tells them that's not the way life insurance works. He then explains to them that life insurance is really money the buyer gets when a person dies, then asks about who gets the money. Mr. Krabs signs the formerly unsigned life insurance contract that SpongeBob took from Squidward, then cheers briefly before leaving.

A horrified SpongeBob and Patrick suddenly realize that life insurance does not really protect them from any danger and that those near-misses they've had were only coincidental. They try to alert Squidward of this news while he ignores them and soon falls off the springboard into the lava pool. Squidward immediately screams and goes through all of the obstacle course, finally crashing into a heavy bell, full of blisters and grazes. SpongeBob then tells him that they were wrong about life insurance and that life insurance does not protect self-injury. Squidward tells him that he managed to survive because of his toupee and the episode ends with Patrick and SpongeBob attempting to smash the "sea spider" with their feet.


The episode name was confirmed in a tweet by Vincent Waller on October 24, 2016.[1]


Life Insurance

Life Insurance

Storyboards for the episode

Life Insurance Shipped Board

Life Insurance Shipped Board

The final shipped version of the storyboard


 ) Associated production music
 ) Original music
 ) SpongeBob music
  Coconut Cream Pie Dry - Nicolas Carr, Sage Guyton, Jeremy Wakefield [Title card]

  Hawaiian Beach - Peter Dennis [SpongeBob gets out of bed.]
  Dramatic Cue (c) - Ronald Hanmer [SpongeBob falls down the stairs.]
  Manhattan Playboy - Len Stevens [Life insurance commercial on TV.]
  Hot Steel and Slide Licks (r) - Jeremy Wakefield [SpongeBob answers the door.]
  Gator - Steve Belfer [Patrick gives SpongeBob his mail.]
  What's This Sting - Nicolas Carr ["What's life insurance?"]
  Gator - Steve Belfer ["I'm not sure."]
  Lap Steel - Nicolas Carr [Transition to next scene.]
  Spongey Bubbles - Steve Belfer [SpongeBob and Patrick come outside with pillows.]
  Place Bleu - Werner Overheidt [Squidward wearing a wig.]
  Seaweed - Steve Belfer [Squidward comes outside while SpongeBob and Patrick are hitting each other with pillows.]
  Vibe Q Sting - Nicolas Carr ["Wait a second..."]
  Seaweed - Steve Belfer [Squidward gives Patrick a rake.]
  Dramatic Cue (a) - Ronald Hanmer [Squidward screams.]
  Dramatic Cue (b) - Ronald Hanmer ["Oh no, Patrick, I'm slipping!"]
  Seaweed - Steve Belfer ["I'm losing my footing!"]
  Hot Steel and Slide Licks (f) - Jeremy Wakefield ["I was trying to say you gotta fall from something higher."]
  Dramatic Cue (a) - Ronald Hanmer [Patrick grabs SpongeBob so he can step on the 'sea spider.']
  Stupid Plan - Steve Belfer [SpongeBob and Patrick blowing jellyfish whistles.]
  Dramatic Encounter - Gregor F. Narholz [Giant jellyfish appear and sting Squidward.]
  Hot Steel and Slide Licks (h) - Jeremy Wakefield ["Gee, Squidward. Maybe you should get some life insurance."]
  Sponge Shredder - Nicolas Carr, Fabian Fernandez [Obstacle course is shown.]
  Unknown Track 65 - "The Sushi Maker."
  Proud to be a Fish - Nicolas Carr, Barry Anthony [SpongeBob gives his life insurance policy to Squidward.]
  Hot Steel and Slide Licks (I) - Jeremy Wakefield ["Actually, you'd better take two, since you're kind of a klutz."]
  Tension Bits - Nicolas Carr, Sage Guyton, Jeremy Wakefield ["Better take two? Life insurance?"]
  Hot Steel and Slide Licks (m) - Jeremy Wakefield ["You giblet-heads! No piece of paper can protect a person from getting hurt."]
  Dramatic Cue (d) - Ronald Hanmer [Anchor falls from the sky.]
  Dramatic Cue (g) - Ronald Hanmer [Driver veers off the road.]
  Seaweed - Steve Belfer ["Yay, life insurance!"]
  Harps and Bells - Nicolas Carr ["Wow, I can't believe it!"]
  Hot Steel and Slide Licks (l) - Jeremy Wakefield ["I'm indestructible!"]
  Tentically Speaking - Sage Guyton, Jeremy Wakefield [Squidward crosses a painting of a brick wall.]
  Terror - Alan Braden [Squidward licks ice cream's germs.]
  Hot Steel and Slide Licks - Jeremy Wakefield [Squidward throws the ice cream cone away.]
  Vibe Q Sting - Nicolas Carr [SpongeBob and Patrick deny.]
  Evil Mind 3 - Dick De Benedictis [SpongeBob and Patrick scream.]
  Lap Steel - Nicolas Carr ["What's moxie?"]
  Sponge Shredder - Nicolas Carr, Fabian Fernandez [Squidward climbing ladder.]
  Lopey Sailor's Jig - Michael Bolger, Nicolas Carr [Krabs explains to SpongeBob and Patrick how life insurance works.]
  Fight! Fight! Fight! (a) - Will Schaefer [Krabs as a cheerleader.]
  The Creature (a) - Gregor F. Narholz ["D-d-d-do or DIE?!"]
  Straight from Hell 10 - Gregor F. Narholz ["Life insurance is not what you think! You were right!"]
  Hot Steel and Slide Licks (b) - Jeremy Wakefield ["I can't hear you, just shut up and watch me!"]
  Drama Link - George Van Parys [SpongeBob and Patrick shaking the ladder.]
  Dramatic Cue (h) - Ronald Hanmer [Squidward falls to the lava tank.]
  SpongeBob Theme II - Nicolas Carr, Sage Guyton, Jeremy Wakefield [Squidward on the Sushi Maker.]
  Coconut Cream Pie Dry - Nicolas Carr, Sage Guyton, Jeremy Wakefield ["Hey Squidward, guess what I learned today?"]
  Dramatic Cue (a) - Ronald Hanmer [The ending]




  • This marks the 400th episode segment of the series in production order.
SpongeBob SquarePants (Facebook page) - Countdown to "Life Insurance" "Burst Your Bubble"

SpongeBob SquarePants (Facebook page) - Countdown to "Life Insurance" "Burst Your Bubble"

The countdown before the episode's premiere.

  • There was a 1-hour countdown before the premiere of this episode and "Burst Your Bubble." It was confirmed on the official SpongeBob Facebook page.
    • The songs heard during the countdown were "Sky Drive," "Bonus Point," "Street Cop," and "Electronic Sheep" by Charles Hedger, and "Keep This Going" by Jon Murrill, Lee Richardson, Tom Ford, James Carlo Giorgi Cocozza and Sarah Jane Norman.
  • The title card background is similar to that of "The Card." The main difference is that the background is pink instead of brown and the text is actually plastered on the background.
  • This is Gunther Fitz's first appearance since his debut in "Mrs. Puff, You're Fired."
Life Insurance credits
  • In the credits, Gunther Fitz is credited as "TV Salesman." Also, Gunther Fitz is voiced by Rodger Bumpass in this episode instead of Dee Bradley Baker who originally voiced him in "Mrs. Puff, You're Fired."
  • Innuendo: SpongeBob checks his underwear when searching for a pen.
  • Patrick's fear of spiders from "Home Sweet Pineapple" and "The Pink Purloiner" returns in this episode.
  • One of the Salty Spitoon patrons from "No Weenies Allowed" appears as the tough fish from whom Squidward steals ice cream.
  • The cheerleading outfit Mr. Krabs wears is very similar to Pearl's original design, which included pigtails and a purple dress.
    • Adam Paloian said that the reference to Pearl was probably unintentional.[2]
  • The high school in this episode is different than the one seen in "Whale of a Birthday," "Barnacle Face," and "Patrick-Man!"
  • This episode marks the return of some of the Dramatic Cues, (a), (c), (d) and (h), unlike (b), (e) and (g), but with the exception of (f). However, in this episode, Dramatic Cue (h) is in higher pitch. The normal pitch version of Dramatic Cue (h) returns in the episode, "Ink Lemonade."
  • According to Vincent Waller, Sherm Cohen, and his crew intentionally added the references to Mr. Fitz, the tough fish, and probably Fiasco.[3]


Screenshot 2020-02-08-20-46-39

SpongeBob's house is missing one of the windows.

  • At the beginning, SpongeBob's house is missing a window.
  • SpongeBob's mouth does not appear to be in sync when he says, "We call it... the Sushi-Maker."
  • After the car is about to hit Squidward, the other contract is missing.
  • When Squidward says, "I ran through a brick wall," the rock on sand overlaps Squidward and Patrick.
  • After Mr. Krabs takes the contract out of Squidward's pocket, the contract is blank. However, SpongeBob already signed the contract.
    • Mr. Krabs signed the contract with SpongeBob's signature.

Running gags

  • Squidward's toupee being mistaken as a sea spider.
  • SpongeBob, Patrick, and Squidward do not get hurt because of their contracts.


SpongeBob SquarePants - Cast Iron Squidward Nickelodeon

SpongeBob SquarePants - Cast Iron Squidward Nickelodeon


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