They have unpredictable responses to chronic stress and long histories of poor choices.

Offers the opportunity to cash out the policy due to death, chronic, critical, or terminal illness.

The residents above are chronically violating their lease and a true nuisance to live below.

We don't do them very often but when we do it is usually due to chronic late payments, not caring for the property per the lease, owner selling, tenant is difficult to deal with, etc. 

We have had good results with changing them out and some chronically leaky faucets.

I'm noticing too that people are largely ignoring Covid precautions, which could partly explain the chronic problem with cases here. 

@Joe P.I grew up chronically poor.

Keep in mind, eviction screenings do not protect you or your client from those tenants who skipped out in the middle of the night, did a cash for keys or who were chronic late payers and court records won't show an eviction record right away.

The previous owner never enforced the late fees, although one of the tenants was chronically late (undisclosed at time of sale),I sent all the tenants a change of ownership letter restating the terms of their lease, including the late rent penalties.  

Fortunately I am alive, but with chronic pain in my lower back, as I have herniated disks/bulging disks/protruding disks, disc degenerative disease and an annular tear.