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Certain insurance coverage products and practices have been described as lease-in search of by critics. citation wanted That is, some insurance coverage products or practices are helpful primarily because of legal benefits, comparable to reducing taxes, as opposed to offering protection in opposition to dangers of hostile occasions. Below United States tax law , for instance, most house owners of variable annuities and variable life insurance can make investments their premium payments in the inventory market and defer or get rid of paying any taxes on their investments till withdrawals are made. Sometimes this tax deferral is the only motive folks use these merchandise. quotation needed One other instance is the legal infrastructure which permits life insurance to be held in an irrevocable belief which is used to pay an property tax whereas the proceeds themselves are immune from the property tax.