While that may be true, I'm sure there are NDAs and threats of being blackballed in the industry not to mention potential legal action. If they're gonna blow the whistle, they better have all their ducks in a row before they do blow the whistle. I'm not sure what kind of whistle blower protections the industry has tho. The bigger insurance companies have insanely deep pockets, so they can afford to litigate this when need be. Whistle blowers often don't have that kind of money.