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Insurance is a legally binding agreement to insure exporters, investors, and lenders against specific risks during specified periods. The agency pledges the use of accumulated insurance premiums to secure lenders against default on the part of borrowers. “Loan insurance” is considered the equivalent of a “loan guarantee." Export-Import Bank insurance covers commercial and political risks of nonpayment of export obligations. Overseas Private Investment Corporation insurance covers transfer and political risks associated with foreign investments.