The explicit uses of the terms "insurance" and "confirmation" are in some cases confused. Preferred implies that the proposed guaranteed is as of now under prescription and has a family ancestry of specific illnesses. Preferred implies that the proposed guaranteed is as of now under prescription and has a family ancestry of specific illnesses. The policy can be declined or evaluated (expanding the premium amount to adjust for the higher hazard), and the amount of the premium will be proportional to the face value of the policy. In the United States, the two forms of coverage are classified "insurance" for reasons of straightforwardness in organizations moving both products.