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hi this is shannon smith from smart business solutions financial planning i want to talk to you today about whats the difference between an agreed value and indemnity contract as one of the options in the insurances so what is an agreed value versus of indemnity contract if youre looking to take out income protection insurance one of the questions you may have is what is indemnity value depending on the specific product and provider taking out an income protection insurance policy may involve choosing between two different benefit structures an agreed value or an indemnity value structure so whats a great value a green value is relatively self-explanatory it is it entails um you and the insurer agreeing on a fixed benefit amount the amount that your insurer pays you in the event of a successful claim at the time you take out your income protection policy now the latest update from march 31st in 2020 the agreed value income protection policies will no longer be available for new poli