Question 28 (2 points) The rating plan that awards debits and credits based on specific categories is known as: 1) Modified rating 2) Experience rating 3) Schedule rating 4) Retrospective rating Question 29 (2 points) Representative must not mislead the insured or claimant about potential coverage for claim or the possible payment amount. This concept is known as: 1) Good faith 2) Waiver 3) Estoppel 4) Subrogation Question 30 (2 points) Providing underwriting credits for policyholders who engage in insurer-sponsored loss control activities is an example of what insurer ratemaking goal? 1) Stability 2) Responsiveness 3) Providing for contingencies 4) Promoting loss control