As Kilby writes, Adam “doesn’t seem to get ANY of these analogies right”.
Can we help him?
Is there a connection between a premium and an orc (beyond the fact that the Uruk-Hai were a new, premium type of orc developed by Sauron)?
Is there a connection between a deductible and a ranger? (etc.)
Can you think of another literary work that might be a better fit to insurance? (Maybe Kafka’s The Trial for health insurance claims, for example?)
By the way, have you checked lately to make sure your car’s extended warranty isn’t about to expire?
Comics I Don't Understand 
The inadvertent point here is that Adam doesn’t understand insurance well enough to construct a valid analogy to it.
I thought the very deliberate point was that this analogy is garbage because Adam doesn’t really understand how insurance works. (It’s really simple at its core, although the details can be insanely complex.)
None of these analogies make any sense, nor is it clear how they could all come up. Deductibles refer to health insurance or to casualty insurance, where the policyholder must absorb a certain amount of loss before reimbursement is available. Similarly, liens refer to casualty insurance: if the policyholder’s loss is caused by a third party, the insurance carrier has a lien against any recoveries from the third party. But interest rates are mostly used in connection with certain kinds of life insurance and annuities, and those never have deductibles or insurance liens.
I agree with the theory that these are deliberately bad analogies. It’s possible that Adam just threw out random terms he’s heard of in connection with insurance. But I think it may be more likely that he actually knows a lot about insurance and is deliberately mixing the terms.
Well, a deductible or ranger is related to partial protection from the cost or danger, respectively. Reaching, I know.
We call a “deductible” an “excess”, and you get them on all insurance, car, buidings, contents, travel, whatever. Often compulsory, also you can usually volunteer for a higher amount in return for a lower premium.
But not life insurance or annuities.
The reason I submitted this as a CIDU wasn‘t because the analogies were bad: the problem was that they weren‘t funny. I don’t know whether plausible connections to insurance would have helped, but the disjointed comparisons he came up with just didn’t have any of that contradictory “spark” that could ignite a laugh.
P.S. I think the overall effect might have been improved if the last line had referred to “analogies” (plural), but my underlying gripe is that an average Bug Martini strip often contains three or even four fairly good gags, whereas this example only has one half-hearted gag in the last panel.
I think the point is that using Star Wars characters is a better choice than using ones from the Lord of the Rings :~). I’ve gotten close to to making the Tuscan Raider/lien analogy work. (then I’d read another paragraph from Wookiepedia and my work would fall apart. It would be easier if Wookiepedia was more fully annotated so that I could skip the unlikely-to-be-known portions of an article.)
Just recently I was looking for a reference to a name that had been briefly mentioned in the middle of “Part 2”, but after the information in Wikipedia proved inadequate, I then had the opposite problem at Wookipedia. The mixture of canonical and extraneously sourced material was very difficult to parse.