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      In schools where only varsity letters are awarded this is usually in Parts for jacuzzi tubs a students' junior or senior year. Such an eventuality would not be covered by an "all risks" policy because in such circumstances there is no PHYSICAL loss or damage. What the policy will cover is the reinstatement of the aircraft to its "pre-loss" condition, if repairable damage is involved, or some other form of settlement in the event that more substantial damage is sustained. These companies often have special expertise that the insurance companies do not have. Life insurance and saving Certain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against