NO INSURANCE!
But...

Benefits:
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-You get to talk to other people who like Psychonauts,and if you don't already like Psychonauts you can be inspired and influenced to buy the wonderful game!

-You also get to be part of contests!

-You'll get lot'sa pageviews if your icon is interesting enough to people! O_o (whatever thats worth)I mean..which means you'll most likely get more comments and more friends!Yaaaay everyone likes to have friends!