Me - sorry, I am not able to provide this consultancy. The knowledge is outside of me.
Friend - but you can just telephone your insurance contacts and work out a scheme with them.
Me - sorry, I have lost most of these contacts.
Really, it is impossible to find an insurer who will carry the risk. The main risk is the price of the agarwood. When the investor buys the agarwood saplings, they receive projections that may be unrealistic. This type of price risk is impossible to insure.