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| The insurer (the life insurance company) calculates the policy prices with intent to fund claims to be paid and administrative costs, and to make a profit. The cost of insurance is determined using mortality tables calculated by actuaries. Actuaries are professionals who employ actuarial science, which is based in mathematics (primarily probability and statistics). Mortality tables are statistically-based tables showing expected annual mortality rates. It is possible to derive life expectancy estimates from these mortality assumptions. Such estimates can be important in taxation regulation.
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At the present time in Western countries anal sex is becoming an increasingly popular form of intercourse between men and women. One reason is that there is very low risk of unwanted pregnancy via unprotected anal intercourse. Also, anal sex is sometimes seen as preserving female virginity because it leaves the hymen intact. Another reason is that the anus is considered to yield more tactile pleasure for the penis, being tighter than the vagina.
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