Cowboy taking out life insurance

A cowboy wanted to take out a life insurance policy. Talking to an insurance agent about his policy who was checking out his life insurance rates, the insurance agent asked the cowboy, “Have you ever had any accidents?”

The cowboy repled, “No, no accidents.” Then, after a short pause he added “But a bronco kicked in a couple of my ribs, and a rattlesnake bit me a couple of years ago.”

“Well!” replied the insurance agent, “Don’t you call those accidents?”

The cowboy replied, “No, I don’t—they done it on purpose!”