Worth you checking insurance licence 51230, i did a google search but came up with nothing useful. Licence with who? where? name?
The 6 month waiting period is a strange thing, easy to game the system, say you don't have diabetes, 6 months later have it, etc etc. All this comes back to how much money they have to pay claims hence the question about underwriter i.e. who will be funding it, the issue is if too many claims at once they can't pay claims