Because most of the capital costs are picked up by the franchisor, the franchise model enables a

Licensed and appointed agents represent

A) the state insurance department B) the insurer C) the National Association of Insurance Commissioners D) the applicant or insured"

________ is law that an administrative agency enforces, such as federal statutes enacted by Congress, or state statutes enacted by state legislatures

A) Formal ruling B) Substantive administrative law C) Procedural administrative law D) Informal ruling