For high-stakes games, a network may purchase prize indemnity insurance to avoid paying the cost of a rare but expensive prize out of pocket. If the said prize is won too often, the insurance company may refuse to insure a show; this was a factor in the discontinuation of "The Price Is Right $1,000,000 Spectacular" series of prime-time specials. In April 2008, three of the contestants on "The Price Is Right $1,000,000 Spectacular" won the top prize in a five-episode span after fifteen episodes without a winner, due in large part to a change in the rules. The insurance companies had made it extremely difficult to get further insurance for the remaining episodes. A network or syndicator may also opt to distribute large cash prizes in the form of an annuity, spreading the cost of the prize out over several years or decades.