Insurance commercials are built on the fear of something going wrong. 
Let's celebrate the little moments that keeps moving everyone forward— as life is not only about accomplishing the big things
The cultural background that supports this is the transition in an adult’s life when big life moments gives more security. For example, if someone gets a job with paid sick days, then they do not have to worry about missing rent when they are sick, therefore looking forward to the moments of snuggling with their dog when they are ill.