1. Surplus lines stamping offices provide many benefits to stakeholders. Which one of the following is one of those benefits?

Surplus lines stamping offices address consumer complaints against any insurance company in the state.

Surplus lines stamping offices protect the state's tax revenues.

Surplus lines stamping offices ensure that costs of coverage to the insured are as low as possible.

Surplus lines stamping offices monitor the activities of anyone involved in the insurance industry.

2. Aggie Insurers operates in a state that requires all insurers to file their premium rates with the state insurance department before they start using their rates. Once the rates are filed Aggie Insurance can use the new rates without approval from the state insurance department. What kind of rate law does this state use?

Flex rating law

File-and-use law

Use-and-file law

Prior-approval law