The insurance regulatory system is designed to identity financial issues of an insurance company and propose solutions for recovery. Which of the following characteristics are assessed to detect such issues? Check aif that apply. The ability of the insurer to withstand unexpected or excessive claims The ability of the insurer to maintain customer profies The ability of the insurer to lend money to its insureds The ability of the insurer to withstand a market dedine that negatively impacts their investments The operational efficiency of the insurer Which of the following is true regarding insurance regulation? Check atr that apply. The risk-based capital ratio is used to identif insurance companies with high risk exposure and force them to hold a high lev Insurance agents must be licensed in order to sell insurance products. Which of the following permitted banks the ability to sell insurance? The Sarbanes-Oxley Act The Financial Services Modernization Act The Financial Reform Act of 2010 The Glass-Steagall Act