Thanks for the follow-up message, phonon. You are absolutely right and we take these concerns very seriously. Insurance is one of most regulated industries for good reasons.

The A/B test can be used for non-insurance products, such as waivers, trip fees, etc. Definitely agree that this is a small niche and won't change anything in the insurance world, but can be valuable for a subset of the companies.

Our goal when designing the product is to make it modular so it empowers our clients with what they need. We have customers that don't use everything we offer, and that's totally cool!