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* Locked Funds Insurance is avandia a little known hybrid insurance policy avandia jointly issued by governments and banks. avandia It is used to protect public avandia funds from tamper by unauthorised parties. avandia In special cases, a government may avandia authorise its use in protecting semi-private avandia funds which are liable to tamper. avandia Terms of this type of insurance avandia are usually very strict. As such avandia it is only used in extreme avandia cases where maximum security of funds avandia is required. * Financial loss insurance avandia protects individuals and companies against various avandia financial risks. For example, a business avandia might purchase cover to protect it avandia from loss of sales if a avandia fire in a factory prevented it avandia from carrying out its business for avandia a time. Insurance might also cover avandia failure of a creditor to pay avandia money it owes to the insured. avandia Fidelity bonds and surety bonds are avandia included in this category.

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nce companies. These avandia companies often have special expertise that avandia the insurance companies do not have. avandia Certain life insurance contracts accumulate cash avandia values, which may be taken by avandia the insured if the policy is avandia surrendered or which may be borrowed avandia against. Some policies, such as annuities avandia and endowment policies, are financial instruments avandia to accumulate or liquidate wealth when avandia it is needed. See life insurance.In avandia many countries, such as the U.S. avandia and the UK, tax law provides avandia that the interest on this cash avandia value is not taxable under certain avandia circumstances. This leads to widespread use avandia of life insurance as a tax-efficient avandia method of saving as well as avandia protection in the event of early avandia death.In U.S., interest income of life avandia insurance policy (or annuity) is income avandia tax deferred in general. However, its avandia tax deferred benefit may be offset avandia by a low return in some avandia cases. This depends upon the insuring avandia company, type of policy and other avandia variables (mortality, market return, etc.). Also, avandia other income tax saving vehicles (i.e. avandia IR

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