Really AccuQuote?

Is this really how we want to sell life insurance? We can only assume from the picture that this little girl lost her mommy or daddy and is now homeless because her parents did not care enough to purchase life insurance. Could there be a more blatantly manipulative advertisement? The only other possibility I can think of is that this is such a low budget outfit that they could only afford to take one picture and the kid just wouldn't cooperate. Either way...this ad sucks.