Most lenders will expect buyers to be able to put down a minimum amount of money upfront as a down payment. (armourinsurance.ca)
The insurer has to charge more money upfront for return of premium policies because they invest the money and keep any interest (return) on the money you paid them. (term-life-online.com)
There is some risk involved because you will be paying money upfront for potential flights in the future and it can be hard to find award seats on the specific flights you want. (miledeals.com)