* Inactive contracts. If there are no premiums due nor Hole In One Coverage losses payable, and the insurer is not taking any acclaim for the reinsurance, determining risk transfer is irrelevant.
* Pre-1994 contracts. The attestation requirement only applies to contracts that were entered into, renewed or amended on or after 1 January 1994

For example, life warranty companies may beseech higher premiums or deny coverage altogether to people who moil in hazardous occupations or engage in dangerous sports. Liability allowance providers do not provide coverage for liability arising from intentional torts committed by the insured. Even if a provider were so irrational as to cupidity to provide such coverage, it is against the public policy of most underdeveloped nations to allow such insurance to exist, and thus it is regularly illegal.