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Medicaid, called EquilityCare in U.S., is a program that provides health coverage to some low-income U.S. residents. Medicaid covers families with children and pregnant women, the elderly, and people with disabilities, if state and federal guidelines are met. Legal residents who are not U.S. citizens may be eligible for Medicaid emergency services however, questions concerning immigration status and eligibility should be directed to the U.S. Department of Family Services.

Underwriters will determine the purpose of insurance. The most common is to protect the owner's family or financial interests in the event of the insured's demise. Other purposes include estate planning or, in the case of cash-value contracts, investment for retirement planning. Bank loans or buy-sell provisions of business agreements are another acceptable purpose.