The Income Umbrella (AP Photo/Charles Dharapak)

This is terrible age for bipartisanship in Washington and goodwill in the world, but it is actually a golden age of insurance TV advertising. 

Geico has the Gecko, who is not all that great at promoting the need for insurance, or explaining what insurance is, in my opinion, but is funny.

Similarly, the Aflac Duck is very funny, and he’s gotten better at explaining that people need accident insurance, but he is not necessarily all that wonderfully great at explaining what insurance is or why people need it.

Progressive has Flo. She is also not great at explaining why people might need insurance, but she is great at conveying the message that Progressive has the flexibility to meet customers’ needs. My 9-year-old daughter looks for Flo commercials the way she looks for new episodes of iCarly. There might be some consumers who will have a warm place in their heart for Progressive in the 2070s, or even the 2100s, thanks to Flo.

To me, Mayhem, the Allstate Insurance spokesenemy who wreaks havoc in consumers’ lives, is the best insurance spokesvillain. He is creepy, he is funny, and he explains exactly why having insurance is a good idea.

Now the Council for Disability Awareness (CDA) is promoting the need for long-term disability (LTD) insurance protection with the Defend Your Income campaign and website.

The CDA is having consumers who visit the site engage in virtual martial arts competitions against typical disabling conditions, such as cancer and muskuloskeletal disorders.

The site raises the question: What if, say, one disability insurer, as opposed to a group of 17 insurers that has to deal with the sensitivities of many different insurers, could kick that idea up a notch and create, say, a League of Disability Spokescharacters?

Maybe the insurer could actually get the rights to use the League of Justice heroes and show what Clark Kent does to pay his rent when he comes down with mysterious, Kryptonite-related injuries that may be related to his job as Superman but are not related to his reporting job.

Or, maybe an insurer could create an entirely original spokeshero, such as, for example, Returnerwoman, who returns to work as a boomerang-like crime fighter even after the Bad Guys take away her abilities to boomerang back like a boomerang.