New York is like a foreign country with many strange rules of law - not just regarding prescriptions.
I was a life insurance agent for 30+ years. I learned early that many insurance companies domiciled outside of NY had to form separate companies in NY to operate in NY.
By doing this, the agents and policies they sold in the rest of the USA did NOT have to conform to NY law.
Many of the life policies sold by the non-NY companies were both richer in benefits to the buyer and higher in commission payouts to the agent.
NY domiciled insurance companies could sell policies all over the USA too. But, those policies were consistant with NY law.
Ask any New York Life agent!