No individual with access to time cards, payroll records, or checks should also be permitted access to

Neil needs insurance that is unavailable in the state where he lives. To obtain insurance from a nonadmitted insurer, Neil should contact a

A) surplus lines broker. B) nonadmitted agent. C) general agency broker. D) direct writer.

David and Kathy have asked you about A.M. Best Reports services. They specifically want to know if there are any criticisms of Best's and other rating agencies. You would be correct if you told them:

A) all the agencies tend to agree on the ratings for a given company, so it's difficult to compare them B) ratings are merely estimates, and are no guarantee that the future of the insurer will remain the same C) it only takes one letter grade to sum up the condition of a company D) the ratings firms have almost never made mistakes in their assessments of companies, so they're due to make one any time now