This is the value, as at the relevant date, for the gross amount of insurance policy coverage or equivalent.For risk products this will be the sum insured plus any reversionary bonuses.For investment type products this will be the account balance as at the relevant date.For annuity and disability income products this will be the annual payment.For investment linked products this will be the value of units as at the relevant date.For income protection products, this is the aggregate monthly amount of cover.For group products, the value reported is the aggregate of each individual group member's policy as determined above.For other products, the value reported should be consistent with the above.