| Simple | Progressive | Perfect | Progressive |
| Present |
| I under-insure |
| you under-insure |
| he/she/it under-insures |
| we under-insure |
| you all under-insure |
| they under-insure |
|
| I am under-insuring |
| you are under-insuring |
| he/she/it is under-insuring |
| we are under-insuring |
| you all are under-insuring |
| they are under-insuring |
|
| I have under-insured |
| you have under-insured |
| he/she/it has under-insured |
| we have under-insured |
| you all have under-insured |
| they have under-insured |
|
| I have been under-insuring |
| you have been under-insuring |
| he/she/it has been under-insuring |
| we have been under-insuring |
| you all have been under-insuring |
| they have been under-insuring |
|
| Past |
| I under-insured |
| you under-insured |
| he/she/it under-insured |
| we under-insured |
| you all under-insured |
| they under-insured |
|
| I was under-insuring |
| you were under-insuring |
| he/she/it was under-insuring |
| we were under-insuring |
| you all were under-insuring |
| they were under-insuring |
|
| I had under-insured |
| you had under-insured |
| he/she/it had under-insured |
| we had under-insured |
| you all had under-insured |
| they had under-insured |
|
| I had been under-insuring |
| you had been under-insuring |
| he/she/it had been under-insuring |
| we had been under-insuring |
| you all had been under-insuring |
| they had been under-insuring |
|
| Future |
| I will under-insure |
| you will under-insure |
| he/she/it will under-insure |
| we will under-insure |
| you all will under-insure |
| they will under-insure |
|
| I will be under-insuring |
| you will be under-insuring |
| he/she/it will be under-insuring |
| we are under-insuring |
| you all will be under-insuring |
| they will be under-insuring |
|
| I will have under-insured |
| you will have under-insured |
| he/she/it will have under-insured |
| we will have under-insured |
| you all will have under-insured |
| they will have under-insured |
|
| I will have been under-insuring |
| you will have been under-insuring |
| he/she/it will have been under-insuring |
| we will have been under-insuring |
| you all will have been under-insuring |
| they will have been under-insuring |
|
