Which of the following statement is false? An insurance broker legally represents the insurance consumer. Direct writing insurance companies typically use independent agents to represent them in the sales process. Most states require licensed insurance agents to be at least age 18 , to have good morals, and to pass an examination. Mathematicians specializing in insurance statistics are called "actuaries." Simpson is an employee of United of Nowhere Insurance. He is also an agent for them. Based on these facts, what type of insurance company MUST United of Nowhere be? Independent agent Direct writer Indirect writer Dealer Broker At the present, most insurance sold over the Internet is: excess and surplus lines coverage commercial lines coverage marine insurance coverage international insurance coverage personal lines coverage The independent agency system: is growing rapidly to the point of eliminating the direct writers means the agent rather than the insurance company "owns" the business is doomed because agent's commissions are too high relative to direct writers is cheaper and offers more services to customers is not a good career path for most college graduates because the system is doomed to extinction