Life insurance is a risk-management tool for the public. Underwirting criteria is thus based on risks met by general popullation. Anyone found to have higher risk than the general population could face higher premiums, limits in protection, or even denials of their applications. An international insurance company's applications are judged based on various factors, including sex, occupation, health history and lifestyle. Insurance insiders also say it is not unusual that companies would take steps to limit their high-risk groups such as smokers or persons with past drugs addictions. Many firms require AIDS tests prior to offering coverage, particularly for persons from giht-risk jurisdictions such as in many provinces that AIDS is a particular problem. Therefore, an insurance company has no explicit policies agains homosexual clients, ____44____ .