Claims" are an insurance matter.

Who's name is the lease in, tenant or insurance company?

It can be in the real estate industry, property management, construction, lending etc.

When I see deals that do pencil for an investor, the LTV is 60% or less (I deal with mostly retail and industrial). 

Do you have any projections for what will happen with the insurance market for this year, or is it even possible to project? 

Knob and tube is very difficult to insure. 

So my insurance was paying $6200 a month for "barely" furnished 2-2 apartment new the Arboretum. 

I know that RTR positions themselves as “turnkey” but the reality is that they are more of a hybrid model - they set you up with everything you need and facilitate relationships with lenders, insurance, property managers, and so forth - but they are not the actual service providers.

Using a Whole Life Insurance (WLI) loan avoids banks but accrues interest, potentially reducing policy benefits—compare this with other financing options like HELOC or seller financing.

But it sounds like you are talking about a life insurance retirement plan (LIRP).