questions i got wrong
An insured is in his garage with his two friends when some shelving loaded with heavy objects collapses and falls on them. All three of them are experiencing back pain, so they go to an emergency room where MRIs are performed at a cost of $750 each. How much will the medical expense coverage of the insureds dwelling policy pay for these costs? a) $750 b) $1,000 c) $1,500 d) $2,250
$1,500 *medical expense coverage pays up to $1,000 per person, but not for the insured or other residents of the premises
which of the following is the correct formula for computing a loss ratio? a) (incurred expenses + loss adjusting expenses)/earned premium b) (incurred losses - loss adjusting expense)/earned premium c) loss adjusting expenses - incurred expenses d) (incurred losses + loss adjusting expense)/earned premium
(incurred losses + loss adjusting expense)/earned premium
how many hours of Connecticut continuing education must a nonresident producer complete every 2 years? a) 0 b) 18 c) 20 d) 24
0
a farmer is remodeling his 100 year old farmhouse. He is in the process of painting the porch and hanging shutters. He keeps his ladder, paint, and other materials used to remodel his home under the porch. Which of the following provides coverage for his remodeling materials a) Coverage C b) Coverage D c) Coverage A d) Coverage B
Coverage A
Who would participate in a Write Your Own (WYO) flood insurance program? a) government insurance companies that write and service Nation Flood Insurance policies b) businesses requiring National Flood Insurance policies c) Private insurers that wish to write and service National Flood Insurance policies on a no risk-bearing basis d) Lloyd's associations
Private insurers that wish to write and service National Flood Insurance policies on a no risk-bearing basis
what is reinsurance? a) an agreement between a ceding insurer an assuming insurer b) an agreement between an originating insurer and a ceding insurer c) an agreement between a domestic insurer and a foreign insurer d) an agreement between an insurer and an insured
an agreement between a ceding insurer an assuming insurer
Which coverage form would provide coverage for all incoming and outgoing shipments? a) trip transit b) motor truck cargo c) mail coverage d) annual transit
annual transit
First aid costs for others injured on the insured's premises a) apply only if the insured is legally liable b) also cover injuries to the insureds family members c) are deducted from the liability limit d) are paid in addition to the liability limit
are paid in addition to the liability limit
which bond is required by a court before allowing one to take the assets of another to satisfy a legal obligation? a) cost bond b) injunction bond c) attachment bond d) bail bond
attachment bond
what type of bond guarantees that a construction contractor will enter into a contract at a set price? a) maintenance bond b) bid bond c) performance bond d) payment bond
bid bond
who will transport the property of anyone who hires them? a) common carriers b) private carriers c) motor truck carriers d) commercial carriers
common carriers
a builders risk form is most often written as which of the following? a) specific value form b) completed value form c) scheduled form d) reporting form
completed value form
an insureds business is damaged because of a fire, and he is forced to close the business temporarily for repairs. As a result, the insured lost income. What type of loss is this? a) special b) additional c) consequential d) direct
consequential
contracts that are prepared by one party and submitted to the other party on a take-it-or-leave-it basis are classified as a) aleatory contracts b) binding contracts c) contracts of adhesion d) unilateral contracts
contracts of adhesion
all of the following are supplemental payments found in liability policies EXCEPT a) reasonable expenses incurred by the insured b) limited amounts for bail bonds and other bonds related to a claim c) costs the insured incurred in hiring an attorney d) all expenses and defense costs incurred by the insurer
costs the insured incurred in hiring an attorney
employment practices liability insurance (EPLI) would NOT cover claims arising from a) discrimination b) deliberate law violation c) sexual harassment d) wrongful termination
deliberate law violation
according to the Fair Credit Reporting Act, all of the following would be considered negative information about a consumer EXCEPT a) failure to pay off a loan b) disputes regarding consumer report information c) tax delinquencies d) late payments
disputes regarding consumer report information
which of the following is true of dwelling policy coverage? a) exclusions only apply to broad policy forms b) there are no exclusions in basic forms c) special forms only have special exclusions d) exclusions apply to all three policy forms
exclusions apply to all three policy forms
a specialized type of insurance that guarantees the faithful performance of a trustee of employee benefit plans is called a) directors and officers insurance b) employee benefit plan comprehensive coverage c) fiduciary liability insurance d) surety bond
fiduciary liability insurance
replacement cost is defined as a) payment of the full policy limits in the event of a total loss b) full replacement of property at its current cost, new and without reduction for depreciation c) the market value of property of like kind and quality d) full replacement of property with like kind and quality, less an allowance for physical deterioration and depreciation
full replacement of property at its current cost, new and without reduction for depreciation
What type of compensatory damages will pay for pain and suffering and disfigurement? a) special (specific) b) tort c) normal d) general
general general compensatory damages are for intangible elements that cannot be specifically measured in terms of dollars
which of the following policies does NOT contain an automatic reinstatement provision? a) business automobile liability b) personal automobile liability with split limits c) homeowners d) general liability written with an aggregate limit
general liability written with an aggregate limit
if a farm building or structure is vacant or unoccupied, which is true? a) if for 60 consecutive days, no coverage for vandalism and malicious mischief, glass breakage, or theft b) if for 60 consecutive days, amount paid for covered losses is reduced by 15% c) if for 120 consecutive days, the limits applicable to the building and its contents are reduced by 50% d) if for 30 consecutive days, no coverage for vandalism and malicious mischief, glass breakage, or theft
if for 120 consecutive days, the limits applicable to the building and its contents are reduced by 50%
While cutting grass in your yard with your brother's borrowed lawnmower, the fuel line ruptures and the lawnmower is destroyed in the fire. How will your HO liability react? a) your HO liability and your brother's property coverage will share on a prorated basis b) it will cover the damage c) it will not cover the damage because you are not liable d) it will pay your brother's property insurance deductible
it will cover the damage
which of the following is NOT correct regarding false statements by a person engaged in the business of insurance? a) only written statements can be considered fraud b) omissions of material fact on insurance application are fraud c) false statements about financial condition of an insurer are unlawful d) statements made with the intent to deceive are unlawful
only written statements can be considered fraud
all of the following are additional liability coverages automatically provided in a homeowners policy EXCEPT a) loss assessment coverage b) personal injury c) claims expenses d) damage to the property of others
personal injury
which of the following liability coverages must be added by endorsement to a homeowners policy in order to apply? a) bodily injury b) property damage liability c) medical payments to others d) personal injury
personal injury
all of the following are parts of a personal auto policy EXCEPT a) duties after an accident or loss b) liability coverage c) physical damage coverage d) medical payments coverage
physical damage coverage
which of the following statements is INCORRECT with regard to surplus lines insurance? a) before coverage is placed with a surplus lines company, diligent effort must be made to place the risk with admitted insurers b) business placed with a surplus lines insurer is subject to a premium tax that must be collected by the broker c) policies written by a surplus lines insurer typically contain standard coverages and forms d) to sell surplus lines insurance, the licensee must obtain a surplus lines broker's license
policies written by a surplus lines insurer typically contain standard coverages and forms
all of the following are examples of risk retention EXCEPT a) copayments b) self-insurance c) premiums d) deductibles
premiums
workers compensation statutes require employers to meet capital reserves requirements sufficient to pay any claims that might arise. Employers can meet such obligations through all of the following EXCEPT: a) self-insurance plans b) assigned risk plans c) competitive state funds d) second injury funds program
second injury funds program
which of the following statements would be correct if an insured failed to maintain the underlying limits as required by a personal umbrella policy? a) the insured would have to pay the self-insured retention limit b) the insured would be responsible for the amount required as underlying limits in the event of a claim c) it would have no effect on the umbrella policy d) the policy will be cancelled
the insured would be responsible for the amount required as underlying limits in the event of a claim
the cancellation provision in a businessowners policy specifies all of the following EXCEPT a) the method of refund of unearned premiums b) the insureds cancellation requirements c) the insurance companys cancellation requirements d) the method of transferring the owners rights
the method of transferring the owners rights
a temporary license may be issued without examination to all of the following, EXCEPT a) the surviving spouse of a deceased producer b) the spouse of a retired producer c) the legal guardian of a disabled producer d) the designee of a producer entering active service in the U.S. Navy
the spouse of a retired producer
the regulation of the insurance industry primarily rests with a) the state b) the NAIC c) private insurers d) the federal government
the state
All of the following are perils covered under the broad form dwelling policy EXCEPT: a) lightning b) collapse c) theft d) fire
theft
which of the following statements is NOT true regarding mobile agricultural machinery and equipment coverage? a) this coverage must be written as part of farm coverage b) it relates to devices used in the everyday farm operation c) it covers detached parts and accessories of mobile devices d)it insures eligible equipment for open perils
this coverage must be written as part of farm coverage
All of the following types of property are covered by a standard builders risk form EXCEPT a) tools 50 feet away from the building b) the building itself c) temporary structures d) machinery that will be permanently attached to the building
tools 50 feet away from the building
a commercial auto coverage form that is designed for insureds engaged in the business of transporting goods for others is a a) cargo carriers coverage form b) truckers coverage form c) commercial carrier coverage form d) garagekeepers coverage form
truckers coverage form
which of the following is NOT covered under Coverage E - Scheduled Farm Personal Property? a) fish b) turkeys c) portable structures d) livestock
turkeys
in the personal auto policy, owned trailers being towed by an insured auto are automatically covered for a) towing coverage b) comprehensive coverage c) collision coverage d) uninsured motorist coverage
uninsured motorist coverage
which of the following best describes the amount of loss assessment coverage included under a homeowners policy liability coverage section? a) up to $10,000 aggregate for the policy period b) up to $5,000 aggregate for the policy period c) up to $1,000 per occurrence d) up to $2,500 per occurrence
up to $1,000 per occurrence
the cost of restoring farm records is an additional coverage offered under a farm policy. How much will the policy pay to restore the records? a) up to $1,000 b) up to $1,500 c) up to $2,000 d) up to $2,500
up to $2,000
which of the following risks is eligible for coverage under a businessowners policy? a) banks b) automobile dealers c) bars or taverns d) condominiums
condominiums
the major portion of the premium for an equipment breakdown policy pays a) for repairs after a loss b) for coverage for bodily injury and property damage of others c) for replacement parts d) for inspections and examinations
for inspections and examinations
which of the following insurance providers must be nonprofit and sell insurance only to its members? a) fraternal b) service c) mutual d) reciprocal
fraternal
which of the following coverages is included in an unendorsed homeowners policy? a) medical payment to others b) personal property replacement coverage c) fungi, wet or dry rot, or bacteria d) earthquake
medical payment to others
which of the following statements is an accurate comparison between private and government insurers? a) private insurers may be authorized to transact insurance by state insurance departments b) insurance provided by the government is called federal insurance c) private insurers offer fewer lines of insurance than government insurers d) private insurers provide insurance in areas where the government will not
private insurers may be authorized to transact insurance by state insurance departments
Under the personal auto policy, liability for bodily injury resulting from the insured's use of a nonowned automobile is a) provided by the insureds policy on a primary basis b) provided by the insureds policy on an excess basis c) not covered d) shared on a pro rata basis
provided by the insureds policy on an excess basis
which of the following insurance options would be considered a risk-sharing arrangement? a) stock b) mutual c) surplus lines d) reciprocal
reciprocal
all of the following statements regarding a boatowners policy are true EXCEPT a) perils are insured on an open-peril basis, providing that the insurer will pay for direct and accidental loss to the property insured b) replacements for the boat listed in the Declarations are automatically covered, if the insured notifies the insurer within 60 days and pays the additional premium c) watercraft liability protects up to specified limits for claims against a "covered person" for damages due to bodily injury caused by a watercraft d) physical damage coverage is provided on an actual cash value (ACV) basis
replacements for the boat listed in the Declarations are automatically covered, if the insured notifies the insurer within 60 days and pays the additional premium
an insured owns several buildings, each at a different location and insured on a separate policy. What type of coverage does the insured have? a) schedule b) blanket c) special d) specific
specific
the type of insurance used to cover goods for one specific trip is called a) motor truck cargo policy b) trip transit c) commercial property d) bailee policy
trip transit
which of the following exposures is insured under Coverage I - Personal and Advertising Injury Liability? a) breach of a written contract b) unintentional acts arising from the operation of a farming business c) failure of goods to perform d) statements made by an insured during their farm radio show
unintentional acts arising from the operation of a farming business
the insurer must be able to rely on the statements in the application, and the insured must be able to rely on the insurer to pay valid claims. In the forming of an insurance contract, this is referred to as a) implied warranty b) utmost good faith c) reasonable expectations d) a warranty
utmost good faith
a producer is charged with a violation of the Insurance Code in another jurisdiction. The producer must now notify the Commissioner of the charges within a) 10 days b) 30 days c) 60 days d) 90 days
30 days
Rita drops off her wedding gown at Vicky's Dry Cleaners for a final pressing. The store's press breaks, so Vicky takes Rita's dress to her other store across town. On the way to the other store, Vicky is held at gunpoint until she gives the man the wedding dress. What crime coverage form would pay for the loss of the gown in this situation? a) Funds Transfer Fraud b) Extortion - Commercial Entities c) Miscellaneous Crime d) None of these
Extortion - Commercial Entities
all of the following are special personal property limits under a homeowners policy EXCEPT a)$2,500 for theft of firearms b) $500 for business personal property on the insured premises c) $1,500 for securities, accounts, deeds, and evidences of debt d) $1,500 for trailers not used with watercraft
$500 for business personal property on the insured premises
the widower of an agent was issued a temporary license 30 days ago to allow time for the sale of the agency. How much longer can he legally serve under this license? a) 60 days b) 150 days c) 180 days d) his temporary license has expired
150 days
if an insured requests a disclosure of the auto policy limits from the insurer, the notice must be provided within how many days? a) 10 days b) 15 days c) 30 days d) 90 days
30 days
Which of the following persons may be covered under farm Coverage J? a) First named insured b) Additional insureds c) Farm employees d) Resident employees
Resident employees
which of the following losses would NOT be covered by a homeowners policy? a) a $550 utility trailer blown away by a tornado b) a stolen silver tea set worth $2,000 c) a $800 outboard motor destroyed by hail d) a coin collection valued at $500 lost in a fire
a coin collection valued at $500 lost in a fire *no more than $200 for coins
With respect to auto insurance, the term owned autos includes all of the following EXCEPT a) any private passenger auto leased to the named insured for a period of more than 6 months b) a pickup or van titled to and used in then named business c) any private passenger auto titled to the name insured d) a pickup or van acquired by the named insured during the policy period
a pickup or van titled to and used in the named insured's business
With respect to auto insurance, the term owned autos includes all of the following EXCEPT a) a pickup or van acquired by the named insured during the policy period b) any private passenger auto leased to the named insured for a period of more than 6 months c) a pickup or van titled to and used in the named insureds business d) any private passenger auto titled to the named insured
a pickup or van titled to and used in the named insureds business
which of the following statements is true regarding the premium computation for workers compensation insurance? a) the premium basis for workers compensation insurance varies by the type of industry in which the insured is involved b) the insured pays a guaranteed premium based on an estimated value of the annual income received c) the premium is set at the beginning of the policy period and will not change d) a premium auditor has the right to examine the insureds compensation records at the end of the policy period to determine the actual premium basis
a premium auditor has the right to examine the insureds compensation records at the end of the policy period to determine the actual premium basis
an insured owns and operates a ranch. the insured has several vehicles that are used in the ranching operation and for personal use. which of the following could NOT be insured under a personal auto policy? a) a two-wheeled trailer designed to be towed by the station wagon b) a farm pickup with 1,000 pound capacity c) a station wagon that is used personally d) a two-ton grain truck with a 6,500 pound capacity
a two-ton grain truck with a 6,500 pound capacity
in which of the following types of property valuation will the policy pay the full value as specified on the policy schedule, regardless of the insured property appreciation or depreciation a) market value b) agreed value c) replacement cost d) stated amount
agreed value
the transfer of money from inside a banking premises to a person other than a messenger outside those premises or to a place outside those premises is covered under which commercial crime coverage? a) computer fraud b) money orders and counterfeit paper currency c) other crime coverage d) outside premises
computer fraud
a unique feature in a bailee form is that it covers a) customers property whether or not the insured has been negligent b) fire and theft losses to the insureds stock held for sale without any deductibles c) all loss and has no exclusions d) the building occupied by the insured whether it is owned or leased
customers property whether or not the insured has been negligent
According to the appriasal condition of a homeowners policy, what procedure may be followed if the insurer and insured do not agree as to the size of a loss? a) the parties must pursue a lawsuit b) the policyholder is allowed to hire an appraiser, and the insurer will pay the amount determined c) either party may make a written request for an appraisal d) the insured is required to accept what the insurer is willing to pay
either party may make a written request for an appraisal
Directors and officers liability insurance defends actions against a corporation or its officers and directors alleging wrongful acts. With regard to the coverage provided, wrongful acts include any of the following EXCEPT a) neglect b) breach of duty c) embezzlement d) misstatements
embezzlement
professional liability coverage protects the insured against legal liability resulting from a) liability assumed under a contract b) dishonest acts c) the unprofessional conduct of an employee d) errors and omissions
errors and omissions
perils provided in policies issued by the Connecticut FAIR Plan include a) all perils unless otherwise excluded b) broad form perils similar to those found in homeowners policies c) basic perils plus theft, freezing, and water damage d) fire, lightning, and internal explosion
fire, lightning, and internal explosion
Bob's neighbor will not stop parking his motorcycle in Bob's rose garden no matter how many times he has been asked to quit parking there. Bob finally gets a court order requiring the neighbor to refrain from parking there. It turns out it was his neighbor's property all along. What bond was Bob required to post guaranteeing his neighbor's damages in this wrongful action will be paid? a) injunction b) attachment c) bail d) cost
injunction
all of the following statements describe the concept of strict liability EXCEPT a) it is applied in product liability cases b) it is imposed on defendants engaged in hazardous activities c) claimants may need to provide proof that a product defect caused an injury d) it is imposed regardless of fault
it is imposed on defendants engaged in hazardous activities
extended nonowned coverage endorsement in a PAP broadens which of the following coverages? a) physical damage b) liability and medical payments c) duties after an accident or loss d) uninsured motorists
liability and medical payments
which of the following personal auto coverage would pay for the insureds travel expenses and loss of earnings while involved in the settlement process of a covered loss? a) liability coverage b) medical payments c) comprehensive coverage d) collision coverage
liability coverage
Under the dwelling policy, Coverage C - Personal Property is a) automatically provided as 50% of Coverage A b) a prohibited coverage int he dwelling form c) limited 50% of the amount of insurance that is written as Coverage A d) limited to covering a servants property while at the insured location
limited to covering a servants property while at the insured location
which of the following is NOT true concerning the fair rental value coverage provided in a dwelling policy? a) coverage continues until repairs are completed b) the period of time to repair or replace is not limited by the expiration date of the policy c) loss or expense caused by the cancellation of a lease is covered d) it pays for the loss of rent you would have collected less any expenses that would not have continued
loss or expense caused by the cancellation of a lease is covered
in which type of commercial crime policy coverage is triggered by a loss that happens during the policy period but is not necessarily discovered during the policy period? a) loss sustained form b) retroactive form c) mysterious disappearance form d) discovery form
loss sustained form
Coverage A - Bodily Injury and Property Damage in the commercial general liability policy will cover a) losses due to the insured's negligence b) liquor liability c) contractual liability d) damage to the insured's product
losses due to the insured's negligence
a business uses its own trucks to deliver their own products to the customer. Which commercial auto coverage form should the business buy to insure the truck? a) business auto physical damage b) commercial carrier coverage c) truckers liability d) motor carrier coverage
motor carrier coverage
when an employee benefit plan pays the premium for a fiduciary liability policy, what provision must be included in that policy? a) designated beneficiary b) waiver of premium c) surety bond d) subrogation
subrogation
who is NOT considered an employee in a commercial general liability (CGL) policy? a) temporary worker b) leased worker c) full time worker d) part time worker
temporary worker
the amount an insurer will pay under Coverage D (loss of use) depends on a) if the dwelling is owner occupied or rented out b) the length of time the dwelling is uninhabitable c) the amount of coverage on the dwelling d) how long a dwelling has been occupied
the amount of coverage on the dwelling
When the condominium association coverage form and the condominium commercial unit-owners form both cover the same loss, a) the association coverage form will be considered primary and pay the loss b) the unit-owners coverage form will be considered primary and pay the loss c) each coverage form will pay a pro rata share d) neither will pay
the association coverage form will be considered primary and pay the loss
the common policy condition is a modular part combined with other parts to create the contract. The common policy condition section contains provisions that are applicable to all lines of coverage that may be included in the policy. Which of the following provisions would be found in the common policy conditions section of the policy? a) requests for any changes in the policy from the insured may be made by the second insured b) the insurer is granted the right to audit books and records of the insured relating to the policy for a period of up to 5 years after the end of the policy c) the first named insured may cancel the policy at any time by giving written notice to the insurer d) prior to the insurer making inspections. surveys, and reports relating to the insurance, approval from the insured must be obtained
the first named insured may cancel the policy at any time by giving written notice to the insurer
In Connecticut, all of the following are legitimate reasons for nonrenewal of an auto policy EXCEPT a) the insured is now using his personal auto as a taxi b) Conviction for driving under the influence c) the named insured has had his drivers license suspended d) the insured has been involved in two accidents which were paid under the insured's uninsured motorist coverage
the insured has been involved in two accidents which were paid under the insured's uninsured motorist coverage
an auto insured (CT resident) has purchased an auto policy with BI/PD limits of 100/300/50. Which of the following statements is FALSE concerning UM/UIM coverage? a) the insured may sign a waiver and opt out of uninsured motorist b) UM/UIM is a required coverage in this state c) the insured must provide a written consent to any reduction in UM/UIM limits d) the insured must purchase UM/UIM limits of at least $20/40/10
the insured may sign a waiver and opt out of uninsured motorist
what will happen if a house covered by a standard mortgage clause is a total loss? a) the mortgagee retains no rights to any contracts involving the policy b) the insured receives the full benefit and passes the mortgagee's share to the mortgagee c) the mortgagee receives the full benefit and passes the insureds share to the insured d) the insurer pays the mortgagee according to the mortgagees interest in the property
the insurer pays the mortgagee according to the mortgagees interest in the property
an insurer may NOT cancel a policy that has been in effect for 120 days on a mid-term due to which of the following? a) the named insured was convicted of driving while intoxicated b) the named insureds spouse has had her drivers license suspended for 90 days c) nonpayment of premium d) the named insured has had his drivers license suspended for 90 days
the named insured was convicted of driving while intoxicated
an insurer may NOT cancel a policy that has been in effect for 120 days on a mid-terms due to which of the following? a) the named insureds spouse has had her drivers license suspended for 90 days b) nonpayment of premium c) the named insured has had his drivers license suspended for 90 days d) the named insured was convicted of driving while intoxicated
the named insured was convicted of driving while intoxicated
explain the party's responsibilities in a bond a) the obligee makes a promise to perform for the principal. the surety pays loss to obligee if the promise is not kept b) the principal makes a promise to perform for the obligee. the surety pays loss to obligee if the promise is not kept c) the principal makes a promise to perform for the insurer. the principal pays loss to insured if the promise is not kept d) the surety makes a promise to perform for the obligee. the obligee pays loss to principal if the promise is not kept
the principal makes a promise to perform for the obligee. the surety pays loss to obligee if the promise is not kept
the individual named insured endorsement under a commercial auto policy provides coverage for which of the following? a) the sole proprietor of the business and his or her family members b) the sole proprietor of the business only c) the sole proprietor of the business and his or her employees d) the sole proprietor of the business and his or her spouse only
the sole proprietor of the business and his or her family members
which of the following losses would most likely NOT be covered under Coverage A in the dwelling policy? a) outdoor personal property of the insured b) supplies used for repair of the dwelling c) theft of a renters lawnmower used to service the premises d) fire damage to building material on the premises
theft of a renters lawnmower used to service the premises
Each automobile liability insurance policy issued or renewed will provide uninsured and underinsured motorist coverage with limits for bodily injury and death equal to those purchased to protect against loss resulting from the liability imposed by law a) unless any named insured verbally requests a lesser amount than the limits specified by law as liability limits b) unless any named insured requests in writing a lesser amount, but not less than the limits specified by law as liability limits c) unless the claimant requests in writing a lesser amount, but not less than the limits specified by law as liability limits d) unless any named insured requests in writing a lesser amount than the limits specified by law as liability limits
unless any named insured requests in writing a lesser amount, but not less than the limits specified by law as liability limits
under the business auto coverage form, mobile equipment is covered for liability insurance a) when coverage is written as Symbol 1 b) when being carried or towed by a covered auto c) on an excess basis d) when listed on the declarations
when being carried or towed by a covered auto
Federal law makes it illegal for any individual convicted of a crime involving dishonesty or breach of trust to work in the business of insurance affecting interstate commerce a) under any circumstances b) unless they have served an appropriate prison sentence c) without receiving written consent from a Federal Judge d) without receiving written consent from an insurance regulatory authority
without receiving written consent from an insurance regulatory authority
