An indemnity is distinct from a guarantee, which is the promise of a third party to honor the obligation of a party to a contract should that party be unable or unwilling to do so (usually a guarantee is limited to an obligation to pay a debt).
Answer: Heavy Cream Has a Shelf Life Of Up To A Month. According to the USDA, heavy cream can be stored in the refrigerator (opened or unopened) for up to a month. This assumes that it has been kept at a constant refrigerator temperature and not left out on the counter for stretches of time. Discard any cream with mold or an off odor. When in doubt, throw it out.
I believe that open or not, insulin lasts 28 days unrefrigerated. Open, it lasts 28 days whether it is refrigerated or unrefrigerated. Closed and refrigerated, it should last until the expiration date on the box.