The insurance regulatory system is designed to identify financial issues of an insurance company and propose solutions for recovery. Which of the following characteristics are assessed to detect such issues? Check all that apply. The insurer's return on investment The ability of the insurer to obtain reinsurance on most of their risks The ability of the insurer to maintain customer profiles The ability of the insurer to withstand unexpected or excessive claims The ability of the insurer to lend money to its insureds Which of the following is true regarding insurance regulation? Check all that apply. Insurance agents must be licensed in order to sell Insurance products. The risk-based capital ratio is used to identify insurance companies with high risk exposure and force them to hold a high level of capital. United States-based insurance companies that expand their business internationally are subject to foreign insurance regulations. If an insurance company becomes insolvent, a federal emergency fund is used to pay outstanding claims. 000 GO 0 Which of the following is true regarding insurance regulation? Check all that apply. Insurance agents must be licensed in order to sell insurance products. The risk-based capital ratio is used to identify insurance companies with high risk exposure and force them to hold a high level of capital. United States-based insurance companies that expand their business internationally are subject to foreign insurance regulations. If an insurance company becomes insolvent, a federal emergency fund is used to pay outstanding claims. Which of the following created the Federal Insurance Office? The Sarbanes-Oxley Act The Glass-Steagall Act The Financial Services Modernization Act The Financial Reform Act of 2010