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37 DO 2 points If an insurance company is domiciled (headquartered) in Virginia, then the Virginia Insurance Commissioner will consider that insurer to be a: Domestic insurer Adverse insurer Foreign insurer Alien insurer 38 2 points Flood insurance policies become effective 30 days after purchase. Life insurance policies do not pay if death by suicide occurs within two years of the effective date. These risk mitigation strategies help protect insurers from: Adverse selection Anti-trust litigation Regulatory oversight Predatory pricing 39 DO 2 points What statement is true: Reinsurance can only be purchased from foreign insurers Reinsurance is also known as insurance for insurance companies Reinsurance can be purchased by individuals