[MultipleParadox]

Also, OP's title does state "new standards", but is there such a thing in which all insurance cies will agree on like this? I mean, what 1 company would ask for might not be what the other would, isn't it?

I'm not claiming understanding the insurance world, hence the question, but I'd find that collusion or something.

Anyways, I don't think we have to worry too much about those, regardless of what's true and what's not... Most fields are private... It really is sad (if true) for those business that will loose tons of customers though...