Which of the following types of claims adjusters do not represent insurance companies?

Loss prevention is the best risk management tool when the chance of loss is __________________ and the potential loss severity is __________________.

Smoking cigarettes is an example of:

To obtain a right of ownership in a stock insurance company, you should contact:

Insurance regulations require legal reserves and surplus because

Which of the following is the most important goal of insurance regulation?

Mr. VanDelinder buys a $50,000 car.  Rather than buying insurance on the car, he sets aside $30,000 in a savings account to cover possible losses due to any accident.  He is:

Given the requisites of an insurable risk, which of the following exposures would make the best subject of a profitable insurance pool?  (Assume a premium appropriate to the exposure is charged, and analyze the exposure from an insurer’s standpoint.)

Billy is driving to the beach for spring break.  Before leaving on his trip, he takes some cold medicine that makes him sleepy.  He falls asleep at the wheel and collides with another car on the highway and breaks his leg.  In this context, which of the following is the hazard?

A foreign insurer is: