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The newest incarnation is the fixed, equity indexed product (SEE MORE HERE>  which can be either a fixed annuity or pure life insurance.
In the US, an "annuity" generally refers to a deferred investment contract that, upon "annuitization," will make regular payments (e.g., on
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However, treating insureds differently when there is no actuarially sound reason for doing so is unlawful discrimination.
What is often missing from the debate is that prohibiting the use of legitimate, actuarially sound factors means that an insufficient amount is being charged for a given risk, and there is thus a deficit in
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the system. The reinsurance market is dominated by a few very large companies, with huge reserves. In short, it is an in-house self-insurance vehicle. Balancing this are waiting periods, in particular for pre-existing conditions (usually referred to within the industry as PEA, which stands for "pre-existing ailment")