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Continue adding flour until you have a smooth, non-greasy paste. The policy does not build up any of the nonforfeiture values associated with Whole Life policies. In life insurance, living and death benefits are listed. It also includes such diverse forms as plate glass, insurance against crime robbery, burglary and forgery boiler and machinery insurance and aviation insurance. Liability Insurance — Insurance that offers protection against third-party claims, which means that payment is made to someone who suffers loss caused by an insured person. For most applications, the insurer requires several weeks to collect and evaluate data from your physician and perhaps other sources of information. Exposures could include liability arising from accidents resulting from the insured's premises or operations, products sold, work completed or contractual liability.