Insurance companies have in recent years developed products for niche markets, most notably targeting seniors in an ageing population. These are often low to moderate face value whole life insurance policies, allowing senior citizens to purchase affordable insurance later in life. This may also be marketed as "final expense insurance" and usually have death benefits between $2,000 and $40,000. One reason for their popularity is that they only require answers to simple “yes” or “no” questions, while most policies require a medical exam to qualify. As with other policy types, the range of premiums can vary widely and should be scrutinized prior to purchase, as should the reliability of the companies.