What is not a major component of state insurer solvency regulation? Restrictions on insurer capital. Monitoring of insurer insolvency risk. Monitoring of insurer underwriting of small business. The guaranty fund system. Most state guaranty funds obtain money to pay claims from charging each insurer in the state an annual premium based on past claims. charging each insurer in the state an annual premium based on expected future claims. charging pro-rata, post-insolvency assessments on surviving insurers. state income taxes