Much like medical and short-term car and household insurance schemes, life insurance companies have realised that certain individuals have a longer life expectancy than others and as such have a lower risk profile. To that end, many life insurance companies have developed special schemes for these individuals to benefit from lower monthly life insurance premiums. Factors which influence life insurance premiums favourably include gender; women tend to outlive men, education; qualified professionals generally have fewer health problems since they tend to lead healthier lives thanks to sufficient medical cover; and an individual's residential location as suburban life tends to be less stressful and safer than city life.