# For Insurance Providers (IPs)

- [Over-Reserve Ratio](/unitas-protocol-v1/how-unitas-protocol-works/for-insurance-providers-ips/over-reserve-ratio.md)
- [Calculate the Reserve Ratio](/unitas-protocol-v1/how-unitas-protocol-works/for-insurance-providers-ips/over-reserve-ratio/calculate-the-reserve-ratio.md)
- [Risk management](/unitas-protocol-v1/how-unitas-protocol-works/for-insurance-providers-ips/risk-management.md)
- [4REX tokens](/unitas-protocol-v1/how-unitas-protocol-works/for-insurance-providers-ips/4rex-tokens.md)
- [ve4REX and Dividend distribution](/unitas-protocol-v1/how-unitas-protocol-works/for-insurance-providers-ips/ve4rex-and-dividend-distribution.md)