just need answers please . I will upvote

The page of a standard insurance policy that lists important facts about the policy, such as the insured's name, the policy number and the time period in which the policy is in force is referred to as the: O Declarations page O Exclusions page O Insuring agreement page O Definitions page Underwriters try to have a proper balance within each risk classification. Much of personal lines underwriting today involves all exposures units with similar loss- producing characteristics being placed in the same category and charged the same rate. This type of underwriting is known as: O Field underwriting O Merit underwriting Line underwriting O Class underwriting Which of the following is exempt from many state insurance laws? O A single-parent captive A mutual insurer O A fraternal insurer O A risk retention group