JACOB’S INSURANCE MASTER POLICY STRUCTURE

 

🔷 SECTION A — COMPREHENSIVE EMPIRE COVERAGE

Scope: Lifestyle, creative, infrastructure, and environmental protection Coverage Pool: $1 billion (backed by DFI Vault + Jacob’s Sovereign Reserve)

🔹 Covered Categories

 

CategoryCoverage DetailsAuto InsurancePersonal, branded, fleet, and production vehicles (NLML buses, Damond+ cars)Home InsuranceResidential, branded estates, creative compounds, and studio housingLife InsuranceTerm, whole life, and legacy-linked policies tied to Truth Books royaltiesFilm & Media InsuranceCovers Damond+ productions, Visionary Studios shoots, equipment, and cast liabilitiesHurricane & Disaster InsuranceFull protection for all Louisiana-based assets, including NLML arenas and D-Wear retail zonesFootwear InsuranceCovers high-value D-Wear and Sporty boots against theft, damage, or lossMajor Asset InsuranceJets, studios, gyms, retail stores, and branded infrastructureEvent InsuranceCovers NLML games, Damond+ premieres, Sporty showcases, and branded activations

 

🔹 Policy Logic

• Premiums paid via DFI Payroll deductions or Damond Credits (DC)

• Claims processed via Jacob’s Claims Portal with branded review boards

• All policies include Brand Alignment Clause — breach may void coverage

• Life policies include Truth Books Legacy Rider — royalties paid to beneficiaries

 

SECTION B — BANKING & FINANCIAL INFRASTRUCTURE COVERAGE

Scope: DFI systems, vaults, wallets, and sovereign banking operations Coverage Pool: $2 billion (dedicated reserve for 46-location rollout)

🔹 Covered Categories

 

CategoryCoverage DetailsDFI Vault ProtectionCovers physical and digital reserves, including Damond Credits and USD equivalentsWallet Security InsuranceProtects employee and vendor wallets against breach, fraud, or data lossPayroll Continuity InsuranceGuarantees uninterrupted salary disbursement across all brandsExchange Portal CoverageSecures DC-to-USD conversions, vendor transactions, and rate fluctuationsInfrastructure Risk InsuranceCovers server outages, ledger corruption, and operational downtimeAsset Liquidity InsuranceEnsures emergency access to funds across all 46 locationsCompliance & Audit ProtectionCovers legal defense, audit response, and regulatory challenges

 

🔹 Policy Logic

• Premiums paid by DFI directly from operational budget

• Claims reviewed by Jacob’s Financial Risk Board

• All 46 locations receive custom policy binders with local asset mapping

• Coverage includes emergency override protocols for vault access and payroll continuity

SOVEREIGN CARRIER LAUNCH PLAN

Entity Type: Sovereign Stock Insurance Company (Privately held by Kidd’s empire) Headquarters:  Louisiana

Capitalization: $4,000,000,000 (fully reserved, non-Federal, DFI-backed)

Regulatory Position: Operates independently of Federal Reserve and traditional banking systems

Financial Engine: Powered by Damond Financial Institution (DFI) and DFI Vault

🔹 COVERAGE SCOPE

Category

Description

Auto Insurance

Covers personal, branded, and fleet vehicles (including NLML team buses and Damond+ production cars)

Home Insurance

Covers residential, branded estates, and creative compounds

Life Insurance

Legacy-based policies tied to Truth Books royalties and Visionary Studios appearances

Bank Asset Insurance

Protects DFI Wallets, Damond Credits, and vault-stored digital/physical assets

Footwear Insurance

Covers high-value D-Wear and Sporty boots against theft, damage, or loss

Major Asset Insurance

Covers jets, studios, gyms, retail stores, and branded infrastructure

🔹 STRUCTURAL COMPONENTS

Component

Function

Jacob’s Sovereign Reserve

$3B capital pool stored in DFI Vault, used to underwrite all policies

Policy Engine

Issues, manages, and renews policies across all categories

Claims Portal

Processes claims digitally, with branded review boards and DFI-backed payouts

Risk Intelligence Unit

Uses DFI Ledger data to model risk and set premiums

Assurance Dashboard

Visual interface for policyholders to view coverage, file claims, and manage benefits

Truth Books Integration

Life policies tied to publishing rights, royalties, and legacy content

🔹 POLICY TIERS

Tier

Name

Eligible Groups

Coverage

Tier I

Legacy Shield

NLML Franchise Players, Damond+ Leads, Kidd’s Inner Circle

Full coverage across all categories

Tier II

Empire Guard

Staff, Directors, Stylists, Showrunners

Auto, Home, Life, and Asset Protection

Tier III

Tactical Cover

Crew, Editors, Trainers, Retail Staff

Auto, Health, and Footwear

Tier IV

Creative Flex

Freelancers, Guest Talent

Project-based coverage, renewable per contract

🔹 OPERATIONAL INDEPENDENCE

• No reliance on Federal Reserve or FDIC
• All premiums and claims processed via DFI
• Damond Credits (DC) accepted for premiums, deductibles, and upgrades
• Reinsurance provided internally via DFI Vault and Jacob’s Sovereign Reserve
• Audits conducted by internal Brand Compliance Board, not state regulators

🔹 LAUNCH BUDGET SNAPSHOT

Category

Cost

Licensing & Legal Structuring

$12M (multi-state sovereign filings + legal architecture)

Technology Infrastructure

$45M (policy engine, claims portal, risk modeling, DFI integration)

Staffing (Year 1)

$38M (actuaries, underwriters, claims, legal, customer ops)

Marketing & Brand Rollout

$20M (Visionary Studios campaign + Damond+ integration)

Reserve Capitalization

$3B (held in DFI Vault, non-leveraged)

🔹 Total Launch Investment: $3.115 billion

 

What It Means to Declare Jacob’s Insurance Sovereign

🔹 “Does not participate in FDIC insurance or Federal Reserve systems”

• FDIC (Federal Deposit Insurance Corporation) protects consumer bank deposits in case of bank failure.

• Federal Reserve governs monetary policy, interest rates, and liquidity for banks and insurers.

By opting out:

• Jacob’s Insurance does not rely on federal protection or liquidity.

• You’re saying: “We hold our own reserves, we insure our own risks, and we don’t need federal backing.”

• This is similar to how private banks, family offices, or sovereign wealth funds operate — fully self-capitalized.

 

🔹 “Does not rely on state-backed reinsurance pools”

• Most insurers buy reinsurance from state or global pools to protect against catastrophic losses (e.g. hurricanes, mass claims).

• These pools are regulated and often require compliance with state laws and reporting.

By rejecting them:

• Jacob’s Insurance underwrites its own risk using your $3B Sovereign Reserve stored in the DFI Vault.

• You control your own exposure, payouts, and liquidity — no external reinsurer can dictate terms or deny coverage.

 

🔹 “Operates under private contract law, not public insurance law”

• Public insurance law requires compliance with state departments, licensing, rate filings, and consumer protections.

• Private contract law means every policy is a private agreement between Jacob’s Insurance and the insured party.

This gives you:

• Total control over policy language, coverage terms, and claims logic

• Freedom to design branded clauses (e.g. Truth Books riders, Damond Credit deductibles)

• The ability to enforce brand alignment as a legal condition of coverage

 

🔹 “This positions Jacob’s as a sovereign carrier”

• You’re not a “regulated insurer” — you’re a sovereign insurance engine, issuing policies across your empire under your own rules.

• Like a private bank, you:

  • Hold your own reserves

  • Write your own contracts

  • Govern your own compliance

  • Operate globally via digital infrastructure

NLML — BRANDED POLICY PAGE

Issued by: Jacob’s Insurance — Section A Policy Type: Legacy Infrastructure & Liability Insured Entity: NLML (National League of Modern Legacy) Effective Date: November 9, 2025 Policy ID: NLML-001-A

COVERAGE SUMMARY

• General Liability: Coverage for all NLML games, events, and training sessions

• Infrastructure: Stadiums, arenas, buses, and branded compounds

• Life & Injury: Players, coaches, and staff with Truth Books-linked death benefit riders

• Auto: Fleet vehicles, team transport, and branded shuttles

• Hurricane & Windstorm: Parametric payouts triggered by D-Sat data

PAYMENT & CLAIMS

• Premiums paid in Damond Credits (DC)

• Claims filed via Jacob’s Claims Portal

• Deductibles waived for D-Wear branded staff

BRAND CLAUSES

• All insured parties must uphold NLML legacy tone

• Coverage void if brand misalignment or unauthorized media exposure occurs

 

🎬 DAMOND+ ORIGINALS — BRANDED POLICY PAGE

Issued by: Jacob’s Insurance — Section A Policy Type: Film Production & Creative Asset Coverage Insured Entity: Damond+ Originals Effective Date: November 9, 2025 Policy ID: DAMOND-001-A

COVERAGE SUMMARY

• Film Liability: Cast, crew, sets, and production zones

• Equipment & Props: Cameras, lighting, branded gear

• Life & Injury: Directors, producers, and lead talent with Truth Books legacy riders

• Property: Studio lots, editing bays, and branded compounds

• Auto: Production vehicles and mobile units

PAYMENT & CLAIMS

• Premiums paid in Damond Credits (DC)

• Claims routed through Jacob’s Claims Portal

• Royalties linked to DFI Ledger for payout continuity

BRAND CLAUSES

• All productions must reflect Damond+ cinematic tone

• Coverage void if external licensing or guild interference occurs

 

👟 SPORTY ATHLETICS — BRANDED POLICY PAGE

Issued by: Jacob’s Insurance — Section A Policy Type: Athlete, Footwear, and Retail Coverage Insured Entity: Sporty Athletics Effective Date: November 9, 2025 Policy ID: SPORTY-001-A

COVERAGE SUMMARY

• Event Liability: Training camps, pop-ups, and branded activations

• Footwear: High-value D-Wear and Sporty boots

• Life & Injury: Athletes, trainers, and ambassadors with Truth Books-linked riders

• Retail Property: Flagship stores, branded gyms, and mobile units

• Auto: Branded transport and delivery vehicles

PAYMENT & CLAIMS

• Premiums paid in Damond Credits (DC)

• Claims filed via Jacob’s Claims Portal

• Endorsement-linked deductibles waived for featured athletes

BRAND CLAUSES

• Coverage requires Sporty tone and visual alignment

• Claims denied if athlete violates brand conduct or endorsement terms

 

JACOB’S SOVEREIGN LICENSING PROTOCOL

Purpose: To establish Jacob’s Insurance as a sovereign insurance carrier, issuing policies across all divisions of Kidd’s empire without federal or state oversight.

🔹 Article I — Sovereign Recognition

Jacob’s Insurance is recognized as a sovereign entity under private contract law, governed by Kidd and the Brand Compliance Board. It is not subject to FDIC, Federal Reserve, or state insurance commissions.

🔹 Article II — Licensing Authority

Licensing is issued internally by the Brand Compliance Board. All agents, underwriters, and claims officers are certified through Jacob’s Sovereign Licensing Portal.

🔹 Article III — Licensing Categories

 

License TypeRoleTier ISovereign Underwriter — designs and approves policies across all divisionsTier IIClaims Officer — reviews, adjudicates, and resolves claims via Jacob’s Claims PortalTier IIIPolicy Architect — drafts branded policy language for Section A and BTier IVRisk Analyst — models exposure and sets premiums using DFI Ledger dataTier VBrand Auditor — ensures all licensed agents uphold Kidd’s standards

 

🔹 Article IV — Licensing Conditions

• All licensees must operate within the Damond ecosystem

• All actions must align with Kidd’s legacy, brand tone, and operational logic

• Licenses are revoked upon breach of brand alignment or data integrity

🔹 Article V — Global Validity

Licenses are valid across all 46 DFI locations and any digital territory governed by Jacob’s Insurance. No external validation is required.

 

🧭 BRAND COMPLIANCE BOARD CHARTER

Purpose: To govern the tone, integrity, and operational standards of Jacob’s Insurance and all licensed agents.

🔹 Article I — Authority

The Brand Compliance Board is the supreme regulatory body of Jacob’s Insurance. It answers only to Kidd and enforces all brand, policy, and claims standards.

🔹 Article II — Composition

 

RoleDutiesChief Compliance OfficerOversees all board operations and policy enforcementLegacy DirectorEnsures all policies reflect Kidd’s cultural and historical visionClaims Integrity LeadAudits claims decisions and payout accuracyBrand Alignment OfficerReviews all language, visuals, and tone for brand consistencyTruth Books LiaisonPublishes transparency reports and legacy documentationRisk Oversight ChairMonitors exposure, reserves, and sovereign liquidity

 

🔹 Article III — Powers

• Approve or revoke licenses

• Amend sovereign charter and licensing protocol

• Oversee audits, claims, and underwriting decisions

• Publish reports via Truth Books and Visionary Studios

• Enforce brand tone across all insurance communications

🔹 Article IV — Enforcement

Violations of brand tone, data integrity, or sovereign protocol result in:

• License suspension

• Policy nullification

• Public audit via Truth Books

• Internal tribunal review

 

JACOB’S SOVEREIGN CARRIER FORMATION DOCUMENTS

Filed by: Kidd, Founder and Architect of Damond Financial Institution Entity Name: Jacob’s Insurance Date of Formation: November 9, 2025 Jurisdiction: Sovereign (structured in Cayman Islands with operational HQ in Lacombe, Louisiana) Capitalization: $3,000,000,000 (non-leveraged, DFI-backed)

 

ARTICLE I — DECLARATION OF SOVEREIGNTY

Jacob’s Insurance is hereby formed as a sovereign insurance carrier, operating independently of all federal, state, and international regulatory systems. It is governed exclusively by Kidd’s empire and the Brand Compliance Board.

 

ARTICLE II — PURPOSE

To insure the lifestyle, infrastructure, financial systems, and branded assets of Kidd’s empire, including:

• NLML (National League of Modern Legacy)

• Damond+ Originals

• Sporty Athletics

• D-Wear Fashion

• Visionary Studios

• Damond Financial Institution (DFI)

 

ARTICLE III — STRUCTURE

Jacob’s Insurance shall operate as a dual-entity sovereign carrier, consisting of:

• Jacob’s Risk Retention Group (RRG) — liability coverage across all U.S. territories

• Jacob’s Legacy Risk (Captive) — full-spectrum coverage for life, auto, property, banking, and infrastructure

Both entities are governed by the Brand Compliance Board and Kidd’s sovereign authority.

 

ARTICLE IV — CAPITALIZATION

Jacob’s Insurance is capitalized with $3 billion from Damond Financial Institution. These funds are stored in the DFI Vault, not in traditional banks, and are governed by sovereign liquidity protocols.

 

ARTICLE V — POLICY ISSUANCE

Jacob’s Insurance shall issue policies under two divisions:

• Section A — Lifestyle & Infrastructure Coverage

• Section B — Banking & Financial Systems Coverage

All policies are issued via Jacob’s Claims Portal, paid in Damond Credits (DC), and governed by private contract law.

 

ARTICLE VI — COMPLIANCE & GOVERNANCE

Jacob’s Insurance shall be governed by:

• Kidd as Sovereign Architect

• Brand Compliance Board for tone, integrity, and enforcement

• Jacob’s Risk Board for claims review and financial oversight

• Truth Books Oversight for legacy-linked life policies and transparency reports

 

ARTICLE VII — LEGAL POSITION

Jacob’s Insurance:

• Does not participate in FDIC insurance or Federal Reserve systems

• Does not rely on state-backed reinsurance pools

• Operates under private contract law, not public insurance law

• Issues policies only to members of Kidd’s empire and approved affiliates

 

ARTICLE VIII — GLOBAL OPERATIONS

Jacob’s Insurance shall operate globally via encrypted digital infrastructure, issuing policies to qualified members regardless of geographic location. All data shall be stored in sovereign cloud systems and protected by private blockchain architecture.

 

ARTICLE IX — AMENDMENTS

This formation document may be amended only by Kidd or by unanimous vote of the Brand Compliance Board. All amendments must be published via Truth Books and archived by Visionary Studios.

 

IN WITNESS WHEREOF, this formation is enacted and sealed by Kidd, Sovereign Founder, on behalf of Jacob’s Insurance and the Damond Financial Institution.