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BTE insurance could be a viable way to provide individuals and SME's with an appropriate funding vehicle for legal disputes. However, current BTE models in the market are so low in cost (in terms of underwriting premium, not distribution premium aka commission) that current models are just not fit for purpose, hence why so many barriers and restrictions come up when trying to make a claim. The German model is much more akin to private medical insurance, but how many individuals on low income have that?

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