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      (See Theory of Decreasing Responsibility and buy term and invest the difference.) Term insurance premiums are typically low because both the insurer and the policy owner agree that the death of the insured is unlikely during the term of coverage. The three key factors to be considered in "Drop in stoves" term insurance are: face amount (protection or death benefit), premium to be paid (cost to the insured), and length of coverage (term). Various (U.S.) insurance companies sell term insurance with many different combinations of these three parameters. It has been suggested that this model bears a disturbing resemblance to a Ponzi scheme. In a funded defined benefit arrangement, an actuary calculates the contributions that the plan sponsor must make to ensure that the pension fund will meet future payment obligations. One of the dealer's two cards is face-up so all the players can see it, and the other is face down