reinsurance at the retail level
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Lice insurance could be a thing.
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More like earthquake insurance?
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Dried food, not gold
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All insurance products are based on the premise of spreading idiosyncratic risk across a sufficiently large pool. Climate change is the ultimate covariate risk, so unless you find clients on Mars your insurance product is going to go bankrupt.
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Well...depends if u want to insure against climate change or climate shocks. The negative effects of climate change are not uniformly distributed across earth. Mars insurance buyers might not be required...
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Or would it look more like health insurance or lice insurance or a college fund?
What would such a financial product look like?