Enormous misfortune: The size of the misfortune should be signicant according to the viewpoint of the safeguarded. Protection charges need to take care of both the normal expense of misfortunes, in addition to the expense of giving and directing the strategy, changing misfortunes, and providing the capital expected to sensibly guarantee that the guarantor will actually want to pay claims. For little misfortunes, these last option expenses might be a few times the size of the normal expense of misfortunes. There is not really any point in paying such costs except if the security offered has genuine worth to a purchaser