A gathering of investors (individuals or corporations) who wish to make a profit from providing insurance which they back with their own assets is an example of:

1) An insurance pool

2) A governmental insurance plan

3) An insurance exchange

4) A Lloyds marketplace

In many states, surplus lines brokers can place coverage for difficult-to-insure customers only after:

1)	Their loss experience has been below a stated threshold fo4r six months or more

2)	They have been nonrenewed by their current carrier

3)	They obtain a security bond for 10% of their requested limits of liability

4)	They have been rejected by a given number of insurers