When does protection become non-Sharia compliant?

Contemporary Islamic Scholars have stated that taking up insurance as a means of protection is permissible, provided that it is adequate and not exorbitant, and not taken for the purposes of profit. What this means is that if a person takes an adequate level of protection to cover their debts and ongoing expenditure, then this is allowed, but if this amount is excessive and more than what is required to cover debts and expenditure, therefore to profit from, then this type of insurance will be considered Islamically impermissible.