Heidi Klum constantly proves stereotypes about models wrong. She's smart, goofy, and not afraid to look weird. Just look at her Halloween costumes every year. They're famous for being incredibly ornate and well crafted. She's been creatures like weird looking bugs, or monsters. She's also turned a modeling career into an entertainment empire, but we can't forget it was those legs that got her in the door. She owes them something, which is why she loaded them up with insurance.
At this point as she hosts and produces shows, Heidi Klum could lose her legs and be fine. Not that I want that. I'm just saying that she's not reliant on them. Leg insurance was, however, important when she was solely modeling. You can't walk the runway without legs, after all. Actually, let's not say that. If you don't have legs and you want to model, go model.