Which one of the following statements is true regarding changes to an insurer's underwriting criteria? Available answer options Select only one option A Insurers do not need to monitor underwriting criteria during soft market periods. B Insurers do not need to specifically advise producers of underwriting criteria changes for intended results to be achieved. C Insurers will not change underwriting guidelines due to competitive pressures in the marketplace. D Insurers often tighten underwriting criteria in response to unanticipated loss exposures being accepted