practice exam

Question 1

Which of the following is a cancellation procedure in which the premium returned to the insured is NOT in direct proportion to the number of days remaining in the policy period?

Short Rate
Flat Rate
Dividend
Pro Rata

Answer 1

Short Rate.

(Short rate cancellation is a cancellation procedure in which the premium returned to the insured is not in direct proportion to the number of days remaining in the policy period)

Question 2

Which of the following is NOT one of the independent rating services that publishes guies to insurance companies’ financial integrity?

NAIC
Moody’s
AM Best
Fitch

Answer 2

NAIC

(The various independent rating services are AM Best, Fitch, Standard and Poor’s, Moody’s, and Weiss. NAIC is a regulatory organization composed on insurance commissioners.)

Question 3

After an automobile accident, an individual decided he would not drive or ride in a car ever again. Which method of risk management does this describe?

Retention
Avoidance
Sharing
Reduction

Answer 3

Avoidance.

Question 4

What is the purpose of the coinsurance clause in property insurance policies?

Prevent insureds from profiting from a loss.

Set higher standards of care by requiring the insured to pay a portion of every loss.

Prevent overinsurance of the property.

Encourage insurance to value.

Answer 4

Encourage insurance to value.

(In return for the insured’s promise to insure the property to some certain percent of its value, the insurer agrees to give the insured a reduced rate per hundred on the insurance and pay partial losses in full)

Question 5

An ocean marine loss that occurs through the voluntary sacrifice of a part of the vessel or cargo to save the ship, crew, or other cargo is known as

A salvage loss
A general average
A particular average
Sue and labor

Answer 5

A general average.

(Average in ocean marine language means loss or damage. If one piece of cargo is sacrificed to save the rest, it is a general average – all benefit, and all associated with the voyage help pay)

Question 6

The extended discovery period in the crime general provisions for the Loss Sustained Form is

90 days
60 days
3 years
1 year

Answer 6

1 year.

One year is a standard provision of the loss sustained form

Question 7

An insurance policy is a legal contract, and as such, it must include all of the following elements EXCEPT

Legal purpose
Offer and acceptance
Conditions
Consideration

Answer 7

Conditions.

Conditions are part of the policy structure. Consideration is an essential part of a contract

Question 8

All of the following are other coverages under the dwelling policy EXCEPT

Other structures
Improvements, alterations, and additions
Earth movement
Debris removal

Answer 8

Earth movement.

Earth movement is not included in the other coverages of the dwelling policy

Question 9

Which of the following is a statement that is guaranteed to be true, and if untrue, may breach an insurance contract?

Warranty
Representation
Indemnity
Concealment

Answer 9

Warranty.

Question 10

An insurer neglects to pay a legitimate claim covered under the terms of the policy. Which element on the contract has the insurer violated?

Representation
Good faith
Consideration
Adhesion

Answer 10

Consideration.

(The binding force in any contract is consideration. Consideration on the part of the insurer is the promise to pay in the event of loss)

Question 11

The homeowners policy form that covers condominium unit owners is

HO-3
HO-4
HO-2
HO-6

Answer 11

HO-6.

HO-6 is designed specifically to cover the exposure of a condominium unit owner

Question 12

The process an insurer uses to evaluate risks and determine if a policy should be insured and on what terms, conditions, and rates is known as

Rating
Underwriting
Acceptance
Adverse selection

Answer 12

Underwriting.

Question 13

A policy that insures all property at multiple locations for a single amount is referred to as

Special
Limited
Comprehensive
Blanket

Answer 13

Blanket.

(Blanket coverage provides one limit of insurance for multiple locations or classes of property with the entire limit of insurance available to respond to any loss)

Question 14

The primary purpose of a surety bond is to

Pay employer losses
Secure a line of credit of a contractor
Make sure obligations are fulfilled
Eliminate the possibility of loss.

Answer 14

Make sure obligations are fulfilled.

A surety bond guarantees the performance of the principal

Question 15

Which HO form provides open peril coverage for Coverage A - Dwelling and Coverage C - Contents

Answer 15

HO-5.

(HO-2 form is named peril (broad form perils) coverage for both dwelling and contents. HO-3 is open perils for dwelling and named peril for contents. HO-5 is open peril for both dwelling and contents. HO-8 is named peril (basic perils) coverage for both.

Question 16

Who is responsible for paying producer appointment fees?

The appointing insurer
The Commissioner’s office
The Department of Insurance
The producer

Answer 16

The appointing insurer

(Insurers pay agent appointment feeds. They also must notify the Department of all agent appointments and appointment terminations)

Question 17

A special type of insurance that guarantees the faithful performance of a trustee of employee benefit plan is called

Directors and officers insurance
Fiduciary liability insurance
Error and omissions
Surety bond.

Answer 17

Fiduciary liability insurance.

Fiduciary liability insurance insures an employee benefit plan against bad acts of the plan’s fiduciaries or trustees

Question 18

A liability policy that covers all claims arising out of incidents occurring during the policy period, regardless of whether the policy is still in effect at the time of the claim, is known as

An occurrence policy
A limited liability policy
A claims-made policy
An aggregate policy

Answer 18

An occurence policy.

Question 19

In auto insurance, what is the term that defines parts that are used in the repair of an insured vehicle by other than the original manufacturer?

Replacement parts
After-market parts
Used parts
Second-hand parts

Answer 19

After-market parts.

Question 20

In HO policies, all of the following are duties of the insured after a loss occurs EXCEPT

Arrange for an appraisal by an unbiased third party
Protect the property from further damage
Notify the policy if the loss is caused by theft
Provide prompt notice of the loss to the insurer.

Answer 20

Arrange for an appraisal by an unbaised third party.

Question 21

In a commercial package policy, (CPP), the business owner may select from all of the following types of coverage EXCEPT

General liability coverage
Crime
Workers’ Compensation
Equipment breakdown

Answer 21

Workers’ Compensation

Worker’s Comp is not available through the Commerical Package Policy (CPP)

Question 22

Which of the following would be covered under a Building and Personal Property coverage form?

Building foundations
Outdoor sign
Personal property while airborne
Underground pipes

Answer 22

Ourdoor sign

There is a $2,500 per sign limitation for loss or damage to outdoors signs attached to the building

Question 23

Which of the following would NOT be eligible for coverage under a Personal Auto policy?

A vehicle listed on the Dec Page
A vehicle purchased 90 days ago
A trailer owned by the insured
A non-owned temp substitute vehicle

Answer 23

A vehicle purchased 90 days ago.

(A covered auto includes automobiles listed in the dec, owned trailers, newly acquired autos (for 30 days), nonowned temp sub vehicles, and additional temporary vehicles due to repair, servicing, breakdown, or loss)

Question 24

All of the following are Other Coverages included in both the broad and special form dwelling policy EXCEPT

theft of personal property
lawns, trees, shrubs, and plants
breakage of storm door glass
collapse

Answer 24

theft of personal property

can only be included by endorsement

Question 25

FAIR plans are provided by

The Guaranty Association
The State
Private Insurers
The federal government

Answer 25

Private insurers.

Question 26

Cargo is damaged short of its destination. An agent at an immediate port sells the damaged cargo at the best price. Settlement is based on the difference between insured value and the net sales proceeds. This is considered

A particular average
A general average
Sue and labor
A salvage loss

Answer 26

A salvage loss.

Question 27

Which of the following agencies administers the National Flood Insurance Program?

FIA
FEMA
FERC
NAIC

Answer 27

FIA

Federal Insurance Administration FIA created the National Flood Insurance Program

Question 28

Two individuals are in the same risk and age class; yet they are charged different rates for their insurance policies due to an insignificant factor. What is this called?

Underwriting
Adverse Selection
Unfair discrimination
Law of Large Numbers

Answer 28

Unfair discrimination

Question 29

When would uninsured motorist coverage apply?

Only when the insured is legally liable

Any time the insured is involved in an accident with an uninsured driver

Only when the insured driver drives an uninsured car

Only when the other party is legally liable but has no insurance.

Answer 29

Only when the other party is legally liable but has no insurance.

Question 30

Under a dwelling policy, which of the following is NOT a factor in determining a loss?

The amount negotiated by the insured

The amount necessary to repair or replace the property

The policy limit

The amount of the insured’s interest in the property at the time of loss

Answer 30

The amount negotiated by the insured.

(The value of a loss is decided according to the actual cash value of the property, the policy limit, the amount needed to repair or replace the property, or the amount reflective of the insured’s interest in the property)

Question 31

An insurer who transacts insurance in this state, but whose articles of incorporation are registered in Canada, would be considered what type of insurer?

Alien
Surplus lines
Foreign
Unauthorized

Answer 31

Alien.

Question 32

Which of the following would NOT be covered by HO liability insurance?

Property damage
first aid expenses
intentional tort
bodily injury

Answer 32

intentional tort

Question 33

Employers liability coverage under a workers’ compensation policy includes

third-party liability claims
punitive damages
intentionally caused injuries
claims from a spouse injured by an employee

Answer 33

third party liability claims

(employers liability coverage protects the employer against suits arising out of an employee’s injuries that are brought by third parties)

Question 34

All of the following are supplemental payments found in liability policies EXCEPT

limited amounts of bonds related to a claim

reasonable expenses incurred by the insured

all expenses and defense costs incurred by the insurer

costs the insured incurred in hiring an attorney

Answer 34

Costs the insured incurred in hiring an attorney.

(Supplemental payments pay the insurance company’s expenses and will not pay expenses incurred by the insured unless incurred at the insurer’s request.)

Question 35

Under the Personal Auto Policy, liability for bodily injury resulting from the insured’s use of a nonowned automobile is

not covered

provided by the insured’s policy on a primary basis

provided by the insured’s policy on an excess basis

shared on a pro rata basis

Answer 35

provided by the insured’s policy on an excess basis.

(automobile insurance follows the insured auto, os the coverage written on the auto is primary. automobile insurance also follows the insured as excess over other collectible insurance)

Question 36

With respect to commercial auto policies, the Garage Coverage Form provides liability protection for all of the following EXCEPT

the insured’s business autos

the insured’s business premises

the insured’s business income losses due to personal injury

the insured’s business products and work performed

Answer 36

The insured’s business income losses due to personal injury.

(The Garage Coverage Form does not cover personal injury and loss of wages from those injuries. Such coverage would be provided by a CGL policy)

Question 37

An insured has a DP-3 policy written for $100,000. The dwelling replacement cost is $115,000. Fire causes $75,000 in damage to the dwelling, $15,000 to a separate garage, and kills 10 trees valued at $600 each. How much will the policy pay for the trees?

Answer 37

$5,000.

$500 is the max for each tree and should not exceed 5% of Coverage A in total

Question 38

Which of the following perils is covered by the HO-2 and HO-3 policies?

flood

sudden and accidental rupture of a heating system

loss due to power interruption that occurs off the premises

war or military action

Answer 38

sudden and accidental rupture of a heating system.

off-premises power failure, flood, and war are excluded from all DP and HO policies

Question 39

Which part of an insurance policy covers claims-related expenses, reasonable expenses incurred by an insured to protect damaged property from further loss, or defense expenses?

declarations
insuring agreement
additional coverage
exclusions

Answer 39

additional coverage

(the additional coverage portion of a policy provides an additional amount of coverage for specific loss expense at no additional premium)

Question 40

The legal concept that requires that workers compensation coverage benefits be accepted by injured employee as the only recourse an employee has in the settlement of injury claims is called

the executive authority provision
the exclusive remedy provision
the unilateral recourse provision
the omnibus resolution provision

Answer 40

The exclusive remedy Provision

workers comp is the exclusive remedy for all injury claims against employers

Question 41

Which of the following protects consumers against the circulation of inaccurate or absolute information?

the guaranty association
unfair trade practices law
consumer privacy act
the fair credit reporting act

Answer 41

The Fair Credit Reporting Act

Question 42

CGL Coverage B (Personal Injury and Advertising Injury) will cover

An offense committed by an insured whose business is advertising

Inadvertent injury to others caused by the advertising of the insured’s product

Publication of material the insured knows is false

Failure of goods to conform to advertised quality or performance.

Answer 42

Inadvertent injury to others caused by the advertising of the insured’s product.

(Personal Injury and Advertising Injury do not cover professional advertisers, do not cover intentional injury, and do not guarantee the product will perform as advertised)

Question 43

In a dwelling policy, other structures would be covered if used

by the insured’s neighbor as a private garage

as a farming operation

by the insured to house a manufacturing operation

by the insured to operate a retail business

Answer 43

by the insured’s neighbor as a private garage.

(under coverage b - other structures, structures may not be rented to anyone except a tenant of the main dweling. however, a garage that is used for a private garage does not come under this exclusion of rented property and is covered even if it is rented to someone other than the occupant of the dwelling)

Question 44

A dwelling policy has a standard deductible that applies to all property coverage, with some exceptions. How much is this deductible?

1,000
100
500
250

Answer 44

250.

(A standard deductible of $250 applies to all property coverage, except fair rental value, additional living expense, and the fire department service charge)

Question 45

Which policy consists of the declaration, conditions, endorsements, and other attachments applicable to a single coverage part?

casualty
businessowners
monoline
commercial package

Answer 45

monoline.

a monoline policy is a policy that contains only one coverage part

Question 46

Which of the following reports includes information regarding an applicant’s credit, character, reputation, and habits?

consumer report
agent’s report
any federal report
credit report

Answer 46

consumer report

(consumer reports include information regarding a consumer’s credit, character, reputation, and habits collected by a reporting agency from employment records, credit reports, and other public sources)

Question 47

The members of a Limited Liability Company (LLC) are insureds under a BOP if

each individual is listed as a named insured

members of a LLC cannot be insured under a BOC

the LLC is designated as the named insured

a single individual member of the LLC is listed as the named insured

Answer 47

the LLC is designated as the named insured.

Question 48

To have insurable interest, what risk must the policyowner face?

speculative risk
physical injury
financial loss
property damage

Answer 48

Financial Loss.

Question 49

If an insurer meets the state’s financial requirements and is approved to transact business in the state, it is considered to be

resident
admitted
qualified
certified

Answer 49

Admitted.

(Insurers who meet the state’s financial requirements and are approved to transact business in the state are considered authorized or admitted)

Question 50

When do binders expire?

when an original policy is replaced

after 10 days of issue

no later than 30 days of issue

as soon as the policy is issued

Answer 50

as soon as the policy is issued.

binders expire when the policy is issued. the period of time for a binder can vary from insurer to insurer

Question 51

Which of the following does a producer NOT have the authority to do?

negotiate contracts of insurance

solicit insurance contract

deliver policies

write regulations of the insurance code

Answer 51

write regulations of the insurance code

an insurance producer sells, solicits, or negotiates contracts of insurance

Question 52

The Declarations section of a PAP identifies all of the following EXCEPT

definition of covered auto

mailing address

named insured

loss payees

Answer 52

definition of covered auto

(the PAP declarations section identifies the following: named insured, mailing address, policy period, applicable coverages and their limits, and loss payees)

Question 53

What is the maximum number of families per covered home that are allowed by Homeowners policies?

Answer 53

4.

Question 54

Before an insurer will pay any loss under a policy, what is usually required from the insured?

a binder
notice of claim
a claims-made form
proof of loss

Answer 54

proof of loss.

(a sworn statement, called proof of loss, must usually be furnished by the insured to an insurer before any loss under a policy can be paid)

Question 55

Under a dwelling policy, within how many years of a loss many an insured bring a lawsuit against an insurer?

1 year
3 years
4 years
2 years

Answer 55

2 years.

(if an insured wants to bring a suit against an insurer, the insured must comply with all policy conditions and start action against the insurer within 2 years of the loss.)

Question 56

All of these types of property may be covered on a farm property coverage form EXCEPT

barns
silos
farm machinery
growing crops

Answer 56

growing crops.

(the only way to insure growing crops is with a crop insurance policy, the crop insurance is separate from the farm coverage program.)

Question 57

All of the following are essential parts of the property insurance contract EXCEPT

provisions
exclusions
insuring clause
conditions

Answer 57

provisions

(provisions is a braod term used to refer to the sections or clauses of an insurance policy that communicates the policy’s benefits, conditions, etc. Policy parts are declarations, insuring clause, conditions and exclusions.)

Question 58

A basic dwelling policy automatically provides coverage against fire, lightning, and

riots
windstorm
smoke
internal explosion

Answer 58

internal explosion.

Question 59

All of the following are conditions commonly found in the insurance policy EXCEPT

subrogation
cancellation and nonrenewal
appraisal
insuring agreement

Answer 59

insuring agreement

(insuring agreement provides information on the policy’s coverages. conditions state the legal obligations and duties of the parties to the contract)

Question 60

If the actual values exceed the limit of insurance, the BOP contains a seasonal increase provision that automatically increases the limit of insurance for business personal property by

10%
50%
25%
30%

Answer 60

25%

(the BOP contains a seasonal increase provision that automatically increases the limit of insurance for business personal property by 25% if the actual values exceed the limit of insurance)

Question 61

The requirement that agents not commingle insurance monies with their own funds is known as

fiduciary responsibility
accepting accounting principle
premium accountability
express authority

Answer 61

fiduciary responsibility

money collected with respect to an insurance transaction must be held in a position by the agent or broker

Question 62

Under a dwelling policy, which of the following clauses applies if an insured has lost one of two matching silver candlesticks?

fractional loss
recovered property
pair or set
sets coverage

Answer 62

Pair or set.

(pair or set is a clause that if only item of a set has been lost, the insurer is not obligated to pay the total value of the set)

Question 63

Which of the following are the authorities that an agent can hold?

authorized and admitted
apparent and allowed
express and implied
primary and secondary

Answer 63

Express and Implied.

(the powers and authorities that an agent holds are express and implied. apparent authority is the appearance of, or the assumption of, authority based on the actions, words, or deeds of the principal or because of circumstances the principal created)

Question 64

Which of the following symbols used in business auto coverage is corrected described?

symbol 7 - hired autos only
symbol 2 - owned autos subject to no-fault
symbol 9 - nonowned autos only
symbol 1 - owned auto only

Answer 64

symbol 9 - nonowned autos only

symbol 1 is used for any auto, 2 is used for owned autos only, 7 is used for specifically describes autos only

Question 65

If an insured purchases an insurance policy with a large deductible, what risk management technique is the insured exercising?

reduction
avoidance
sharing
retention

Answer 65

Retention

(when an insured purchased a policy with a large deductible, he or she received a lower premium rate. in return for the lower premium rate, the insured was required to retain a larger amount of the loss, should it occur)

Question 66

Which of the following is a statutory defense?

contributory negligence
intervening cause
assumption of risk
comparative negligence

Answer 66

Comparative Negligence

(many states, by state, require that damages be apportioned based upon the degree of negligence of each party in an accident)

Question 67

A covered watercraft was damaged in an accident. The actual cash value was assessed at $10,000; the cost of repairs - $5,000. The insured’s watercraft policy has a $25,000 limit. How much will the insurer pay?

Answer 67

$5,000.

(the limit of liability for part D will be the lesser of the amount shown in the Declarations, the actual cash value of the stolen or damaged property, or amount necessary to repair or replace the property)

Question 68

An insured purchased an insurance policy 5 years ago. Last year, she received a nontaxable dividend from the insurer. This year, she did not receive any dividends. What type of insurer is it?

Answer 68

Mutual.

(mutual companies are owned and controlled by their policyholders. any surplus money is returned to the policyholders as dividends)

Question 69

What policy would a business owner whose business fills scuba tanks most likely need to insure unfired pressure vessels and compressors?

inland marine scuba floater
equipment breakdown
contractors equipment floater
cgl

Answer 69

Equipment breakdown.

Equipment breakdown coverage is for high-pressure systems

Question 70

An owner of a parking lot wants liability coverage for damage to vehicles while in their custody. The owner needs

garage liability overage
business auto coverage
garagekeeprs coverage
motor carrier coverage

Answer 70

Garagekeepers coverage

provides physical damage coverage on customers’ autos while in the care, custody, and control of the garage operation

Question 71

Which of the following could be insured with replacement cost coverage under the flood insurance program?

a single-family home
a garage
an apartment building
a shed

Answer 71

A single-family home.

(a single-family home will be insured with replacement cost coverage if it is insured to at least 80% of its replacement value. All other buildings will be insured on an actual cash value basis)

Question 72

Which of the following is the federal body that regulates truckers who travel across state lines?

federal motor carrier safety administration

motor carriers commerce agency

federal trade commission

truckers and trade commission

Answer 72

federal motor carrier safety administration

Question 73

The equipment breakdown coverage form provides coverage for all of the following EXCEPT

bodily injury and property damage

damage to the insured’s property

damage to property of others in the insured’s care and custody

expediting expenses following a covered loss

Answer 73

Bodily injury and property damage

equipment breakdown is a property form; it does not cover liability exposures

Question 74

The policy conditions define

the amount of coverage

the excluded perils

how parties to the contract must act following a loss

the basic underwriting information

Answer 74

How parties to the contract must act following a loss.

Question 75

Which of the following would NOT be classified as personal property for insurance purposes?

furniture

a car

a house

a mobile home

Answer 75

A house

personal property is property that is moveable; real property is not moveable

Question 76

Which of the following describes the insurer’s responsibility for payment under a policy, as stated in the common policy provisions?

utmost good faith
consideration
limits of liability
premiums

Answer 76

Limits of Liability

limits of liability are the insurer’s liability for payment as stated in an insurance policy

Question 77

The reduction of value of the property insured in a policy by a peril insured against is known as

hazard
risk
loss
exposure

Answer 77

Loss.

(loss is the reduction, decrease, or disappearance of value of the personal or property in a policy, by a peril insured against)

Question 78

For business income coverage, the waiting period that must occur before the period of restoration may begin is

48 hours
24 hours
120 hours
72 hours

Answer 78

72 hours.

Question 79

Homeowners policies permit all of the following incidental occupancies EXCEPT

a bookkeeping service with one accountant

knitting lessons taught to 3 students on premises

a retail sales operation run by the insured from his garage

a two-chair barbershop

Answer 79

A retail sales operation run by the insured from his garage

(HO policies allow incidental office or professional service-type occupancy as long as no more than 2 people work there at a time. Retail sales are not allowed)

Question 80

The insured is not legally bound to any particular action under the insurance contract, but the insurer is legally obligated to pay losses covered by the policy. What contract characteristic does this describe?

Adhesion
Unilateral
Aleatory
Conditional

Answer 80

Unilateral

in a unilateral contract, only one of the parties to the contract is legally bound to do anything

Question 81

For which of the following reasons can a temporary license be issued?

to provide temporary help to a licensed producer

to solicit new business

to service existing business

the negotiate new insurance contracts

Answer 81

To service existing business.

(temp licenses may be issued to the surviving spouse, next of kind or court-appointed personal representative of an agent who dies, or becomes mentally or physically disabled. temp licenses may not solicit new business)

Question 82

The loss ratio compares

losses to interest rates
premiums to interest rates
premiums to company expenses
earned premiums to losses

Answer 82

Earned premiums to losses.

Question 83

When an insured was towing a utility trailer with his auto, the trailer came loose and ran into a store front. What part of the insured’s auto policy would pay for. the damage to the store?

other than collision
collision coverage
no coverage
property damage liability

Answer 83

property damage liability

the auto policy provides liability coverage for a trailer being towed by a covered auto

Question 84

All of the following are found in the declarations section of a policy EXCEPT

limits of insurance
exclusions
policy premiums
name of the insured

Answer 84

Exclusions.

(states who is insured, what is insured, where the property is located, when the policy begins and ends, how much the insurance and how much premium. the exclusions tell what is not covered)

Question 85

What type of coverage do umbrella policies provide?

property coverage for those who do not qualify for HO insurance

primary coverage for risks that are difficult to insure

property coverage for the basic perils of fire, wind, and hail

excess coverage over an underlying policy

Answer 85

Excess coverage over an underlying policy.

(umbrella policies, sometimes called catastrophe insurance, provides excess over the underlying or primary liability policy)

Question 86

Which of the following is the amount of loss assessment coverage included under an HO Liability coverage section?

up to $1,000 per occurrence

up to $10,000 aggregate for the policy period

up to $2,500 per occurrence

up to $5,000 aggregate for the policy period

Answer 86

up to $1,000 per occurence.

Question 87

What type of ocean marine insurance provides physical damage coverage for the ship while it is in transit?

cargo
freight
hull
protection and indemnity

Answer 87

Hull.

physical damage or loss of the ship itself is covered by the hull policy

Question 88

Which of the following other coverage is NOT included in the basic form dwelling policy?

removal coverage

tenant’s alterations and additions

personal property temporarily away from the insured premises

breakage of glass

Answer 88

Breakage of Glass.

breakage of glass is included in the DP-2 and DP-3 only

Question 89

Termination of an in-force insurance policy prior to the expiration date shown in the policy is known as

nonrenewal
forfeiture
stop-loss
cancellation

Answer 89

Cancellation

Question 90

According to the law of agency, the agent always represents the

insurance company
public
client
state department of insurance

Answer 90

insurance company