“At the heart of it, CRL is about controlling your own destiny. You can give money to a reinsurance company, and have them provide you with coverage when you have a catastrophic claim, but once you give them your money, your money is gone. You’re never going to get it back unless you get it back in a claim payment. And you don’t really own the company. You don’t have a lot of say in how the company is run. You can complain as a customer or suggest as a customer, but when you are part of your reinsurer, you have a lot more ability to really get the reinsurer to be what you want it to be, to price how you would like to see it priced and be competitive, and also to return some money on your investment.”