Which of the following statements are insurance regulation is true regarding how customers $($insureds$)$ are put into risk categories by insurers? $($select all that apply$)$

Group of answer choices

Insurers are not allowed to discriminate when placing customers into risk pools

Insurers are not allowed to unfairly discriminate against customers when putting them into risk pools

As long as the process for placing a customer into a risk pool is backed by data, then it is not unfair discrimination

Even if the process for placing someone into a risk pool is backed by data if the result is unfairly discriminatory an insurer may not be able to use it

The use of AI in insurance is likely to increase questions regarding whether underwriting criteria being used is unfairly discriminatory