They should have actually been insured against everything.
Is it correct to use adverb between the two components of present perfect i.e. have and been?
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I am not sure about the meaning of "actually" here, but nonetheless, it is grammatically OK. Other adverbs that fall into the same category are "ever", "never", "always", "already", "scarcely", "rarely", "seldom" (all are "frequency" types), "seemingly", "likely", "probably" and others.
You can search for any combination of those adverbs with "have" and "been" and discover numerous occurrences, I am sure.