Ratios with bill 10 new rules

[5 Little Monkeys]

My insurance covers 6 kids. Even though I have 5

I'm not 100% sure but I think that because the law is 5 kids (if it is where you live) it trumps the insurance coverage for 6. By having 6 kids, you are illegal and therefore the insurance is void. At least that is how I understand it...I might be wrong!