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Ace, that makes no sense at all. It's not like BCBS has to have underwriting offices in all 50 states. That would have the opposite effect of what you're thinking - it would be incredibly inefficient. Why should they have an office in Rhode Island when they can have one in Boston, an hour away, with the authority to conduct business in Rhode Island? Why shouldn't the Denver office be able to undewrite for Wyoming, especially since it's going to be very difficult to find talented underwriters in a state with only 1M people? Why would you locate your underwriting office to Nevada if the talent pool isn't there to accomplish your goals?
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