Lesson 6 of 8

Embedded insurance and savings: cover and balances sold with a purchase

Insurance and savings are often offered at the moment of a purchase, a loan or a payment: cover for a loan or a device, protection given away as a loyalty benefit, or a wallet balance placed in a fund. This lesson explains the common forms, what supervisors have found about value for money and customer awareness, how the design of the journey shapes what customers end up with, and what a company should settle before offering cover or savings.

Published 16 October 2026