John Quincy Adams and Henry Clay.
I believe they’re referring to the Tuskegee Airmen. Here a link to an article about them https://www.google.com/amp/s/www.history.com/.amp/topics/world-war-ii/tuskegee-airmen
Answer:
Instead of paying the entire premium annually, the premium is divided by 12, and that amount is due each month. Even with monthly fee, paying a monthly installment is a better option for some people. It allows you to spread the cost of premium out over time as most people budget their money on monthly basis.