thanks tom92909 and jason, having trouble implimenting.
i added the second insert behavior to my form however it comes back when i insert with:
Column 'ProductID' cannot be null
the ProductID should get is value from the InsuranceID which i have set it to by clicking the lightning bolt and selected my hidden form field InsuranceID in my form.
I am guessing that because it does not get a value until it inserts into the database this is why it shows as null in my ProductID ?
any ideas how to get around this?