Under one life insurance marketing system, an insurer sells its products through established agents who are already engaged in life insurance sales. Under this system, an insurer enters into contracts with successful agents who agree to sell the insurer's products. This life insurance marketing system is called the: O Direct writer O Direct response system O Non-building agency system O Agency building system Jim would like to start a business raising thoroughbred racehorses. The business would be the first of its kind in the state where he lives. Obtaining insurance on the horses is a key concern, and he was dismayed to learn that none of the insurers authorized to operate in his state offer this specialty insurance. What is the name of the intermediary which Jack can use to place this coverage with an insurer not admitted to his state? O Alien insurer O Surplus lines broker O General agent O Direct writer Helen and John both own automobiles on which they carry liability insurance. If Helen is negligent and has an accident while driving John's car, how will each insurer respond to any liability judgment against Helen? The policies will pay the judgment on basis of contribution by equal shares. The insurers will pay the judgment on a pro rata basis. John's insurer will pay on an excess basis if Helen's insurance is insufficient to cover the judgment. Helen's insurance will pay on an excess basis if John's insurance is insufficient to cover the judgment