Any help is appreciated!

1. An example of a service provided by an intermediary that is a component of the insurance product is

1. Reporting claims to the insurer
2. Making selection decisions for the surplus lines insurer
3. Accurately rating and pricing the policy
4. Developing appropriate insurance rates

2. One factor affecting the extent of risk control services provided by surplus lines insurers is the

1. Expertise of the surplus lines insurer's underwriters
2. Size of the policy premium
3. State in which the surplus lines insurer is domiciled
4. Extent of regulation affecting the surplus lines insurer

3. A start-up business is exploring the possibility of building underwater communities where residents would live, work, and play. A surplus lines insurer would be a good choice for this company primarily because

1. Regulations affecting the business would be too cumbersome for admitted insurers to manage
2. Admitted insurers would charge excessive premiums to insure the exposurers of this business
3. Admitted insurers would be unable to expand their coverage territory to cover this exposure
4. Surplus lines insurers are able to identify and respond to newly emerging risks and meet the insurance needs of those customers