What is holding it back is potential or real fraud. They have margins that are at least double other brokers. They have no technological advantage wo they must be screwing the policyholders or getting policies from people who don't shop them. Or...the policyholders don't care what they get since they never bought insurance for legit reasons.
How can they have such a large increase in policy size settled? How come they are never seemingly in competition with any other broker? Why are they getting 15%+ of the face amount when the industry standard is 6%? Something is very wrong here. Either they are laundering money in some way, or they are screwing individual investors in a Ponzi scam, or they simply have unsustainable margins. Wither way, this is bogus.