-All of the following statements concerning ownership of the expiration lists of insurance policies are accurate, EXCEPT:

1) Exclusive agents usually represent one insurer and typically do not have ownership of expirations

2) Direct writers are employees of the insurer and have ownership of expirations

3) Independent agents are independent contractors who are not employees of any insurer and retain expiration ownership

4) Brokers represent several insurers and have ownership of expiration lists Insurance commissioners are either appointed by the governor of the state or elected by voters of the state.

-Which of the following is NOT a reason proponents of the election system cite?

1) The appointed commissioner can be dismissed, where the elected one is in office for a full term

2) An appointed commissioner may not be as aware of the public’s concerns as would an elected one

3) An appointed commissioner needn’t campaign or feel obligated to political contributors

4) An appointed commissioner may feel obligated to favor those who appointed him, where the elected one wouldn’t be as obligated to particular groups