Insurance contract as a classic contract of adhesion, will benefiting both the insurers and the insureds.

保险合同作为一种典型的附合合同，对保险人和被保险人双方都有利。

youdao

Significantly, the new regulations don't take into account the insureds' health or other factors.

FORBES: Magazine Article

Our various calculations indicate, from a historical perspective going back 20 to 30 years, that paid-up participating whole life would have provided 200 to 300 basis points better performance measured from the time of purchase until the insureds' life expectancies.

FORBES: Life's Tax Advantages

In just a few months, the laws of supply and demand create new products, provide external loss control support for insureds, and may financially incentivize some companies to do the right thing.

FORBES: Dodd-Frank: A Golden New Opportunity for the D&O Insurance Industry