the insurance claims should be split up by the top four companies. Divided by four each month or three months. After all other administrative fees. Other companies could merge with the top four, or remain private for nationals.
Please consider Remitley instead of Wise. One can also see every transaction made. I used Wise and had a change in my e-mail carrier and couldn’t update. As a result couldn’t use it. Had to find an alternative, glad I did. Cost is very reasonable.