> I’ve worked in the industry for a few years and most of insurance products I’ve seen are structured in a way that the company reviewing and processing the cla

> I’ve worked in the industry for a few years and most of insurance products I’ve seen are structured in a way that the company reviewing and processing the claim isn’t actually responsible for paying out the claim. Is this in the US context, or whereever you're from? It sure doesn't seem that way here in Singapore.