Let us discuss the lesser-value indemnity condition. Restoration through a condition of lesser value than the one lost, is the second type of indemnity condition. In this case, a condition of lesser value is required to be fully restored to God. As sinners, we are all useless to God. This is the indemnity condition Christians pay to be justified to God, and is the indemnity condition through which they must pass to be restored.
Baptism is a good example of lesser value indemnity.
Through this ritual we make a condition to receive God's grace and forgiveness. Mankind, at Noah's day, was already dead to God's eye. The universe was cleansed and brought to life again by the flood judgment. Every man to God's eye is a sinner and deserves to be drowned under the flood judgment of Noah's day. But all mankind can be cleansed mid brought to life by God through baptism, as a lesser value indemnity condition.