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When a Bank Fails - Facts for Depositors, Creditors, and Borrowers, FDIC, http://www.fdic.gov/consumers/banking/facts/ (last visited Oct. 8, 2012). A related example is presented by home equity insurance plans intended to protect homeowners against loss in property values caused by white flight.
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Deposit insurance is technically more of a "guaranty" rather than insurance because "premiums are levied against the bank... not the beneficiary-depositor, and are not... ascertainable on an actuarial basis..." Legislation, 36 COLUM. L. REV. 809, 809 n.3 (1936);
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last visited Oct. 7
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Comment to Is Fundable.com a Scam?
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