Boilerplate refers to the standard legal text in a contract, which is rarely changed. Boilerplate text is normally inserted into a contract by the creator of the contract, who does not allow the other party to the contract to alter it. Boilerplate typically favors the interests of the contract creator. Boilerplate can also be used to increase the efficiency of the contract-writing process, so that attorneys only have to focus on a few key parts of a contract that vary from the norm. This text is commonly used for contracts that are expected to be re-used in volume. For example, a lender could use the same boilerplate text in thousands of mortgage contracts, while a life insurance firm could use the same boilerplate in all of its life insurance policies.