Abstract: An insert and envelope assembly including a first envelope having a flap portion and a body portion having an inner cavity. The flap portion is directly attachable to the body portion to generally seal the inner cavity. The assembly further includes an insert located externally of the inner cavity and coupled to the first envelope. The insert is positioned to at least partially block access the inner cavity, and the insert is located and positioned such the insert must be handled or moved in order to fully access the inner cavity. The assembly further includes a second envelope receiving therein the first envelope along with the located and positioned insert.