I don't want to confuse you, but have you considered not using templates at all? If you can generate N rules from N objects containing different literals for matching a fact or for updating a fact field, then you can achieve the same thing with a single rule and additional facts containing those literal values.

rule "one 4 all"
when
   Service( $name: name, $value: value )
   $sb: ServiceBean( name == $name, value == $value )
then
   # RiskType ... is what?
   ...$value..., ...$sb.getType()...
end

-W