Today, a growing slice of the market runs on self-attestation and instant-issue workflows. Especially the nefarious and poor performers. A new entrant goes online, self-declares a handful of details, who they are, what they have, how they operate, where they’re located, pays a premium, and walks away with a policy. No underwriter conversation. No document review. No verification of anything they just told you.Was it perfect? No. But it required the risk to prove itself before it received cheap access to the ...