Anew TV commercial for insurance company Tokyo Kaijo Nichido features two newborns lying next to each other in a hospital maternity ward, telepathically discussing the "pleasures" that await them in life.

One has hopes and dreams: He's going to build a house and travel the world. The other is already intimidated. "I'm afraid to even breathe," he says. An omniscient voice breaks in with the comment that "you only live once" and a good insurance plan can relieve anxieties about the future.

The premise is hardly original, but the presentation and its implications are interesting.