What is Finite risk insurance? Why it is under greater regulatory scrutiny?

Hey. With a strong reputation for quality health insurance and exceptional service, Aetna has earned the trust of millions of people and families across the country. When you choose Aetna as your health insurance provider, you can rest assured that you're in good hands. Users write about the high quality of the company’s services in reviews here https://aetna.pissedconsumer.com/review.html by analyzing which everyone can decide whether to become their client.

Finite risk insurance is an alternative risk transfer mechanism adopted by an entity wherein the insurer assumes whole or part of the specified risks related to investment, credit, timing etc of the insured. 

In a finite risk insurance mechanism, the liability of the insured is funded by the insurer and is spread over a protracted period of time. The risk assessment by the insurer is conservative in nature i.e. the present value of the conservative loss estimate is taken as a basis for premium.

The insured gets the share of the investment profits generated from the premium amount paid by the insured if the loss suffered by the insured is favorable whereas if the claim scenario is unfavorable then the insured is required to pay additional premiums to the insurer to cover the loss. 

Regulators are keeping a watchful eye on ART (i.e. Finite Risk Insurance) as concerns grew that it is more of a loan with regulators alleging that it was being used to hide the true condition of insurers because the premium paid by insured is not, in real sense, the genuine risk transfer from insured to insurer but basically it works like a loan given to insurer. Based on performance of the risk that the profit or loss are shared between the contracting parties.  

Finite risk insurance is an insurance contract that provides coverage for excess losses that other policies is not covering. It also, charge higher premiums that regular insurance due to the nature of it's exposure. The premium paid is usually used to cover losses, if no losses occurs the premium is paid back after deducting the fees. 

I am not sure to why it is under greater regulations but I hope to know either from you or from other experts in this matter.