To manage costs, many companies decide to reduce the range of risks they cover so clients would be attracted to their products. This tendency arises from the observation that many clients would go for insurance just to fulfill some conditional requirements and pass one process without paying much attention to the suitability of what they are buying. It is better to do so if you are cheating some people. But the problem usually arises when trouble comes up and you realize you bought an empty shell so to speak.