The financial lines contain of various package products, which are offered in form of consolidated general terms and conditions by the diverse insurers already. On an individual basis it can also be arranged for customized package solutions. There are multiple options regularly offering advantages regarding price, benefits and simplification. However, such options have to be critically checked against alternative stand alone solutions. This often poses a challenge. It is impossible to give a conclusive record of all prospects, but much is feasible. Decisive factors however, are the individual risk profile and insurance need of each customer.