Everyone has, theoretically, the choice, or option of being or declining to be assured. In order to prevent discrimination being exercised against him it is usual for the assurer to demand some evidence of health before issuing an assurance at his advertised rate of premium, and this method of preventing discrimination by rejecting proposals below a certain standard results in the phenomenon of temporary selection. That the assurer is not primarily concerned with equity may be seen by considering group assurance. The assurance is of different value to the different members of the group but as they have no option, or a very restricted one, this does not militate to the disadvantage of the assurer.