“Most reinsurers, if they are providing new products, it’s generally something that they’ve identified that they were giving away in the past, they exclude it from their coverages and then make you buy a new product. And CRL, I just don’t ever have to worry about that, that they’re trying to sell me something new. They’re always working in our best interest and always on that cutting edge adding new things that help us remain very competitive in our own state.”