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Originally Posted by The_Jazz
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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I can't speak for all insurance companies, but my company is based in NC. Our underwriting department is also based there. As far as I know there is no law currently that says that you must have an office in the state you are doing business in, so I'm not sure what your post means. We do business in all 50 states with only one underwriting office location.