Which one of the following correctly explains why the value chain for insurers looks very different from the value chains for other businesses? A. The value chain for insurers looks different because they are usually owned by policyholders. B. The value chain for insurers looks different because they are federally regulated. C. The value chain for insurers looks different because they are non-profit entities. D. The value chain for insurers looks different because they produce intangible products.