If you fashion $5.5M a year, can you buy insurance policy for $900M paying a $4.0M premium for Insurance?

Answers: Probably not.
You could probably *apply* for that insurance, but you'd enjoy to have a pretty good source for insuring the insured entity for that much, and there would have to be ways for the insurance company to determine what the risks be. Most insurers will only allow you to insure something that hefty for its actual value, current or adjectives, on a year-by-year basis, rather than its speculated cumulative worth

e.g. if you were applying for a disability policy for a *very* high-paying job, the insurer might want to know just about your general health and to place expressions on your policy (e.g. the policy only pays out if you become medically disabled, not if you "disappear").
Probably not, the risk would be too great.

Witness Larry King, he only managed to obtain $25Million before he couldn't get any more. His annual income is around $14Million.

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