Legally we are obliged to offer insurance to anyone, even the sick, weak and nauseous. This obviously introduces new risks. What to do at a pandemic? What to do if the health of the average customer decreases? To face these risks while keeping premiums low we introduce a new wholesale product that every other health insurer can benefit from: the Stamina Default Swap. Our swaps allow insurers to hedge health risks of groups of customers and by doing so make there business less risky and more profitable. This wonderful product will keep the customer's premiums down while providing each individual with health insurance. Stamina Default Swaps are transparent products OTC tradable by all health insurers.