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a product, say fresh corn, or the services of a factor of production, say bricklaying. The risks covered are as follows:
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parlour. Board candidates are usually nominated by insiders or by the board of the directors themselves, and a considerable amount of stock is held and voted by insiders.
Owning shares does not mean responsibility for liabilities. 
In the film Twelve Monkeys, (1996), actor Bruce Willis spends a fair amount of time in a grimy straitjacket with straps on the back. Many policies did sustain themselves for a prolonged period, but the combination of lower interest rates and an increasing cost of insurance as the insured ages meant that for many policies, the cash option was diminished or depleted.
Variable universal life Insurance (VUL) is not the same as universal life, even though they both have cash values attached to them