Will never work. Too much fraud.
This is just a way for you to get some coins.
It's a needed service. I have lent money here and became well known and trusted, I was defaulted on many times and would have used this service. I have done work with many people across the forum and have built up a large and trustworthy reputation. If I just wanted coins, there would be easier ways than this.
I'm considering leaving you negative trust for this, but I want to confirm with probability that it is a scam. To that end, I'm going to ask you some questions.
1) Are you an insurance agent?
2) Are you prepared to do your fiduciary duty to your clients, based on your advanced knowledge of insurance?
3) Are you prepared to fully identify yourself and your insurance agency, and to provide sufficient collateral?
4) Are you prepared to challenge the owners of this forum to provide better law enforcement methods?
5) Are you prepared to take out fiat insurance to cover the bitcoins you will be holding?
I'll give you a hint about #5 - you won't be able to take out actual insurance because bitcoin and this forum is the wild west with absolutely no law enforcement. No actual insurance agency will look at you. In fact, a good portion of people have shown they are OK with fraud as long as it benefits bitcoin commerce (Vod vs. Microsoft scammers)
6) Did you just pull the 0.1btc per month premium/consideration out of thin air or do you have actuary tables that show the rate of fraud here?
7) No varying rate tables? A simple 0.1 btc/month no matter the amount or risk or factors?
8 ) You are nobody. You have ZERO trust here. What is to stop you from taking the coins and disappearing?