1.A representative of consumer organizations says, "Warranties in insurance contracts would enhance the insurer's profits. To protect policyholders' interests, we should seek a way to force insurance firms to give up the use of warranties." Do you agree?

please provide reason.

2.An insurance agent says, "Policyholders can be better off by limiting the claim notification period (i.e., policyholders' obligation to submit claims within a specified time period from the loss occurrence)." Do you agree?

please also provide reason.