Active Capital Reinsurance

Normally insurance prices are set by the competitive market, which tends to hold rates down at the very least for the fairly informed customer who does some window shopping. Auto insurer, for example, are highly competitive as well as the prices are hardly ever regulated. Yet in the context of an application for credit scores there may be no competitors at the point of sale of the insurance coverage. The financial institution might be the only possible resource. The only "competitors" is in between insurance companies to see who can charge the greatest costs and pay the highest possible commission to the financial institution or its police officers for selling the insurance coverage. This often tends to force prices up rather than down and also has been dubbed "reverse competitors".