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    Barry the down sides/unanswered questions are:

    1. Limited take up making the insurance scheme non viable due to insufficient capital to cover costs

    2. The "affordability trap" where people wish to take advantage of the proposed insurance but can only generate the premium by selling some/all of the equity in their house, potentially creating an unmanageable debt position or negating the point of the scheme.

    3. Low take up leading to premiums for "new joiners" escalating beyond the rate of inflation, progressively making it less and less attractive and/or affordable.

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