Complete BS... No insurance company gives a crap about the background of your crew. If they are trained and approved according to the airlines standard then they are considered good enough for the insurance companies.
That 400 is ignorance if I've ever read it. I can't be bothered to pick apart your comment as I fear it will merely serve to confuse you. An airline populated by predominately expats from various dependencies and licensing authorities most certainly DOES have to account for the background and experience of its operational staff, it's complete BS and ignorance to state otherwise.