A new and improved method for optimizing state guarantee fund coverage for
insurance transactions is herein disclosed. An insurance product includes
at least two primary insurance policies written on a quota share basis,
the policies having a combined coverage value, the percentage of the
combined coverage value covered by each policy being between about 1% and
about 99%. An insurance product includes a combined coverage value,
wherein approximately 50% or more of the combined coverage value is
protected by a jurisdictional guarantee association.