We all know Allstate's Mayhem Guy by now, surely. He's one of my all-time favorite advertising mascots. But we all know how insurance companies love to finagle their way out of paying claims, so I propose another (joke) insurance mascot: the Act of God Guy.
The Act of God Guy would be dressed like Jesus, and when someone would pray for rain during a drought, he'd show up, make it rain really hard, and then we'd see someone's home getting flooded. Then the Act of God Guy would talk to the camera, saying: "When bad things happen, you need good insurance to help you through it. Unless it's an Act of God, like me: Then you're not covered."