I have no idea bro. I imagine the company "ARN" would have to get licensed or approved to sell whatever type of insurance packages they want to sell. That in itself I think would be challenging to go through all the steps....whatever they may be. Then on top of that you would have each individual distributor need to be licensed to sell in their state or states. Someone correct me if I'm wrong, I'm just thinking out loud here.
Bottom line is nothing happens overnight for sure but they've been working on the insurance portion of their business for quite some time. They bought DGIN in late August so why getting the go ahead to sell their insurance is taking so long I don't have a clue.