Which of the following is true about nonadmitted insurers?

1. Consumers obtain rate and form concessions from nonadmitted insurers that they would not be able to obtain from admitted insurers
2. Nonadmitted insurers are typically not required to obtain approval for their rates, forms, and underwriting rules
3. Insurance producers are able to change the coverage terms and rates from nonadmitted insurers
4. Insurance regulators require nonadmitted insurers to assume a share of undesirable risks in each state

In which step in the transaction process used by surplus lines intermediaries does the surplus lines intermediary determine whether the expertise and contracts exist to meet a particular customer's needs?

1. Submitting the account to the selected insurers
2. Providing ancillary services during the policy period
3. Qualifying the submission
4. Preparing the submission

Surplus lines intermediaries with expertise in a particular area or with an insurer contract limited to a specific program are called

1. Managing general agents
2. Program managers
3. Underwriting managers
4. Lloyd's brokers

I'd appreciate your help!