Lyrics

[SWELL - choir lift] Love insurance—can we redeem?Hook (Repeat) [max emotional arc: SWELL → DROP → FINAL SWELL]
(Same structure, ad-libs intensify: "Save us now... Lord... ohhh baby...")
waited twenty, "I'm safe."
Son: "Daddy toy across street!"—followed to neighbor's gate.

[SWELL BUILD] Knocked... saw her...

[DROP] Wish I had love insurance one more time.Bridge 1 [EMOTIONAL SWELL - strings rise, piano arpeggios]
How'd we get here? Your eyes cut deep...
My lies built walls, now love's on bleed.

[DROP - sparse piano, breathy] One mistake... or was it me?

[SWELL - full strings] Heart screaming—baby, hear my plea!Hook (Love Insurance) [passionate soul swell, gospel ad-libs]
Lead: If love had insurance, cash in the claim!
BGVs: (Oohhh... cash that claim...) [SWELL]
Lead: Heart broke, still call your name!
Ad-lib: (Your name... ohhh...)
Lead: Forever policy, no fine print shame!
Lead scats: Mmm... save us... mercy...[Verse 2]
You worked nights, I held home down—cracks grew slow.
Neighbor smiles hid her game—trusted too close, now exposed.

[BUILD] Son's toy innocent, my walk turned hell...

[DROP] Door opened—life flashed, wedding ring fell.Bridge 2 [SWELL - orchestral peak, vocal runs]
Trust shattered like glass on concrete...
Your silence louder than my deceit.
Ad-lib: (Your name... ohhh...)
Lead: Forever policy, no fine print shame!