Which of the following is NOT considered under the 3rd party provisions?

The concept of third-party provisions in insurance primarily addresses clauses and conditions that involve the interests of parties other than the insured and the insurer. Personal insurance policies are designed to protect individuals directly, covering losses or damages to their property or insurable interest. They do not involve the rights or interests of a third party, which is a primary characteristic of third-party provisions.

In contrast, the other options represent various clauses or concepts that connect with third-party rights or interests. The Standard Mortgage Clause, for instance, ensures that the mortgagee's interests are protected if there's a loss, regardless of the insured's actions. The No Benefit to Bailee clause prevents a third party (the bailee) from benefiting from the insurance coverage when they are not the insured. Lastly, the Loss Payment clause may involve provisions that guide how payouts are handled, sometimes considering third-party interests.

Given these distinctions, personal insurance policies stand out as not fitting within the framework of third-party provisions, reinforcing why this option represents the correct answer.