Thank you. It sounds like a very complex issue, so I'm going to ask further questions on that.
There is no guarantee that there wouldn't be scams through that for applicants. If there was to be other insurance companies as the bill suggests, there's no way to safeguard for people to make sure that they're not going to get scammed. You wouldn't be able to track whether it can be delivered in a timely manner, which would cause and create more issues for the applicant.