Product model existence

Simply because a coverage, exclusion, or condition is available to a policy does not imply that the coverage has been selected by a user. PolicyCenter specifies a coverage, exclusion, or condition on a Policy in one of the following ways:

Required	Coverage, exclusion, or condition that is on the policy (selected) and that a user cannot remove
Suggested	Coverage, exclusion, or condition that is on the policy (selected) by default, but the user can remove (unselect) it, if desired.
Electable	Coverage, exclusion, or condition that is not on the policy (unselected), and the user can select it, if desired.

All of these combinations are, of course, subject to the Availability of the Coverage. If a coverage, exclusion, or condition is not available, it simply does not appear on the policy.