Theoretically, every car-insurance policy holder could switch carriers a couple of times a year, because most policies have six-month terms.

FORBES: Car Insurers Lose Traction Despite Deluge of Advertising

This is -- the memo that was sent out today to U.S. attorneys simply adds guidelines to a decision that Attorney General Holder talked about in mid-March, and has been administration policy since the beginning of this administration in January.

WHITEHOUSE: Press Briefing

These are policies which promise to pay out a supposedly fixed sum to the policy holder's inheritors when the customer eventually dies, with the payment coming from the investment proceeds of the person's monthly premiums.

BBC: Whole-of-life insurance: Why complaints are rising fast