Most Insurance Policies Prohibit Direct Access from the Original Insured

Most insurance policies prohibit direct access from the original insured to the reinsurer.The prohibition exists because:

A) insurance companies realized that the original insured can take insurance directly from the reinsurance company and put them out of business.
B) direct assess of the original insured to the reinsurer is illegal.
C) reinsurance companies do not want to deal directly with original insureds.
D) the insurance company does not want the original insured to know that it is reinsuring the risks.
E) the reinsurance agreement is a separate contract from the primary insurance contract.