I suppose it comes down to the cost of underwriting. Sure, they could do more to find out about citizenship, but is it worth the cost?
From what I understand, sureties don't get much in terms of claim repayment from personal indemnity. So what are they out if it turns out they are not a citizen? Conversely, what are the costs of spending more underwriting time to find out whether or not every applicant is a citizen or not?
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