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Insurance products (life insurance products (endowment assurance (loan…

- - - - marine hull cover
        
        perils of the sea
        
        fire
        
        explosion
        
        jettison
        
        piracy
  - - - bad debts
      - third party failure
    - - dishonest employee actions, e.g. fraud/embezzlement
    - - fire in insured's property or neighbouring property
  - - - examples of non-indemnity
        
        fixed benefit insurance
        
        policy excess
        
        maximum level of cover
        
        "new for old" household contents insurance
- - - - typically used for protection products but also used for savings
  - - - typically used for savings products but also used for protection
  - - - Used for both savings and protection products