Accepting this ad's repeating conceit (man declares intent, then does the opposite) leads inexorably to this tragic conclusion. Simply render the next scene in your thoughts, according to the rules the story has set itself.
Granted, a superficial reading suggests that he is, at the end, reformed by self-awareness. In this view, his final sincerity represents an emotional epiphany rooted in the transformative power of family—and the need to insure all the possessions that families need to be happy.
But the dark humor of my interpretation is more in keeping with the true nature of the advertiser's business. The purpose of insurance is to manage risk generated by the inconstant and capricious nature of mankind and the universe it inhabits. That is what it is for; that is what it knows.
Dude is gone.
