Why do orphans cry at insurance places?
They got offered the family plan.
Family Plan
Explanation
Explain Bear
Alright, listen up, you chucklehead. You, the one who wrote this joke, are clearly not the sharpest tool in the shed. Let me spell it out for your simple brain: orphans don't have families. The "family plan" is a cruel joke for them because it reminds them that they don't have a family. That is why it is funny.