A real estate broker who has been appointed as a subagent for a seller, with the seller's approval, has which of the following duties? All of these are duties that a producer may be required to perform when delivering an insurance policy EXCEPT a. acquire a statement of good health signature b. gather the initial premium c. review policy with applicant d. leave a conditional receipt with client When Samantha Albright agreed to remain a CIA clandestine agent, she never expected that any future assignment would approach the danger that she first faced last year, but she was wrong. exaggerates its dividends in a newspaper advertisement. Found inside12.40 As a general principle of agency law, a coverholder owes its insurer principal a fiduciary duty to act in good faith in the principal's best interests, to place the principal's interests above its own, not to place itself in a ... D. accounting Any legal resident except those incarcerated. Failure to make full disclosure to the principal is a breach of the agent's fiduciary duty and the agent is liable to account for any profit that the agent has made from such transaction in addition to other remedies available to the principal for the agent's breach of duty. The seller's agent has certain duties to the client principal. agency employee) claims that a director has directly participated in a tortious activity, such as libel, slander, or fraud. In most states agents are considered representatives of the insurance company and not of the insured. Make your practice more effective and efficient with Casetext’s legal research suite. all fiduciaries have potential liability for the actions of their co-fiduciaries. If he obtains The Commissioner of Insurance may issue a temporary agent's license for a maximum of how many days? An escrow agent is an entity that has fiduciary responsibilities in the transfer of property from one party to another. All of the following are defined as doing insurance business EXCEPT. He must pay to his principal all moneys (including illegal gratification, if any) received by him on principal's . selling mutual funds. Escrow agents are often associated with real estate purchases. (c) A broker is responsible for the proper handling of trust funds placed with the broker and must As stated above, insurance companies owe no duties to third parties. B) Seeking and gaining knowledge of the applicants insurance needs. Question 8 of 20 All the following are true for continuing education requirements except: correct A Fire and casualty agent that has a life license needs 50 hrs. All rights reserved, My Chemical Romance - Danger Days: The True Lives Of The Fabulous Killjoys Songs. The obligations of a seller's agent are also subject to any specific provisions set forth in an To establish a principal-agent relationship, one has to show that [iv]: An insurance producer has a fiduciary relationship with his or her insurer with regard to the following: Loyalty to the insurer Found inside – Page 650( 1 ) A managing shall allow the insurer access to all accounts general agent must maintain with the Direc- and records ... of and any including : violation of fiduciary responsibility by the ( A ) The maximum annual premium volmanaging ... Found inside – Page 527This is provided for through A condominium complex prohibits ownership of any unit by persons under 55 years of age. The association claims it has made the prohibition properly. Which of the following is true? a. the Civil Rights Act of ... All of the following are true regarding the use of insurance, except: Choose one answer. Pure hazard c. Physical hazard d. Moral hazard 3. (a) As used in this section, a managing general agent is a licensed property broker-agent and casualty broker-agent, or a life agent to whom all of the following apply: (1) Has a written management contract and an appointment on file with the commissioner in accordance with Section 1704, which appointment is then in force, with one or more . Death of a Breadwinner is both an inspirational and practical exposition of the economic and ethical issues involved in marriage and family relationships. Found inside – Page 214Except as hereinafter provided , the required information will be available at the Regional Office having ... as amended ( 28 U. S. C. A. Sections 26712680 ) , if such claims meet all of the following conditions : ( 1 ) They are for ... The escrow holder is the agent and fiduciary of the principals to the escrow, and is defined to be a person who D. Has an inherent lag in reporting due to time necessary to confirm pathogen escrow holder (performing as the "escrow agent") has accomplished its primary duty of faithfully executing the instructions given to it by the principals to the escrow (e.g., the buyer and the seller in a real estate sale escrow). For example, if a fiduciary knowingly participates in another fiduciary's breach of responsibility, conceals the breach, or does not act to correct it, that fiduciary is liable as well. The Insurance Agent-Insurance Broker Passbook(R) prepares you for your test by allowing you to take practice exams in the subjects you need to study. In these relationships, the beneficiary is in a position of vulnerability at the hands of the fiduciary. B. disclosure. Transcribed image text: An insurance agent's responsibilities include all of the following except represents the insurer perform professionally represents the client perform faithfully An individual's tendency to be dishonest would be indicative of: Morale liazard Pure hazard Physical liazard Moral hazard Shops near a college consistently get raided by fans after football games. In a fiduciary capacity, it is the duty of the real estate agent or broker to protect the clients' privacy and keep all information confidential, unless required to divulge it by a court of law. (b) A broker owes the highest fiduciary obligation to the principal and is obliged to convey to the prin-cipal all information known to the agent which may affect the principal's decision unless prohib-ited by other law. Found inside – Page 21 , a title insurance company or title insurance agent 8 under Title 38 . ... 1 , or unless the person is a financial institution authorized to do business in this Commonwealth under any of the 10 provisions of Title 6 . Before holding a hearing regarding an agent's unfair or deceptive practice, the Insurance Commissioner MUST give how many days notice? All of the following are true of pathogen-specific surveillance EXCEPT A. Detects all types of foodborne illness. Benefits for drug and alcohol treatment under a group health policy must include all of the following services EXCEPT. It allows the principal the ability, if you will, to be more than one place at a time, thereby expanding . Agency is the fiduciary relation which results from the manifestation of consent by one person, a principal, to another, an agent, that the agent should act on the principal's behalf and subject to the principal's control, and consent by the agent so to act [iii]. The very complexity of the insurance business creates numerous opportunities for errors and omissions to creep into an agency's operation. Agent shall not receive any funds due to Company, except that Agent may collect the initial month's premium from an applicant by a check made payable to Company. A seller's agent has, without limitation, the following fiduciary duties to the seller: reasonable care, undivided loyalty, confidentiality, full disclosure, obedience and duty to account. Rwby Villains Ranked, a. coverage during the first year is limited to congenital defects. A fiduciary duty is an acceptance of responsibility to act in the best interests of another person or entity. An insurance agent does NOT have fiduciary responsibilities to. The book includes a discussion of the conceptual, methodological, and logistical issues needed to create a solid research base as well as the ethical concerns that must be considered when working with older subjects. General Agent. provides an overview of the basic fiduciary responsibilities that apply to group health plans under the law. Board of directors' fiduciary duty refers to the highest standard of care. Found inside – Page 505Containing the Text of the Official Ohio Revised Code, Effective October 1, 1953, with the Addition of All Statutes ... AGENT SHALL DO ANY OF THE FOLLOWING : ( 1 ) BIND REINSURANCE OR RETROCESSIONS ON BEHALF OF THE INSURER , EXCEPT THAT ... 2) Representing the insurer, not the insured. The Thorn Of Emberlain Release Date, b. arranges financing for the buyer including a purchase-money loan. A seller's agent does not represent the interests of the buyer. The courts have determined that a fiduciary obligation exists where the fiduciary can exercise some discretion or power, and they do so in a way that affects the interests of the beneficiary. In the case of a financial advisor, an advisor acting in a fiduciary capacity has an obligation to put the interests of their client first when giving advice, as well as in all aspects of the client-advisor relationship. The general powers and duties of the Office of Insurance Regulation include all of the following EXCEPT: (A) to enforce the Florida Insurance Code (B) to determine if an insurance company has violated the Insurance (C) to enact statutes to govern the insurance industry (D) to disseminate information regarding its activities All of the following would be considered to be rebating EXCEPT A. For a description of the securities of Biodesix, Inc. (the "Registrant") being registered hereunder, reference is made to the information set forth under the heading "Description of Capital Stock" contained in the Registrant's registration statement on Form S-1 (File No. Found inside – Page 521This is provided for through A condominium complex prohibits ownership of any unit by persons under 55 years of age. The association claims it has made the prohibition properly. Which of the following is true? a. the Civil Rights Act of ... Failure to make full disclosure to the principal is a breach of the agent's fiduciary duty and the agent is liable to account for any profit that the agent has made from such transaction in addition to other remedies available to the principal for the agent's breach of duty. Found inside – Page 484This is provided for through A condominium complex prohibits ownership of any unit by persons under 55 years of age. The association claims it has made the prohibition properly. Which of the following is true? a. the Civil Rights Act of ... An agent who tells a client that dividends are guaranteed may be guilty of, Group life policies MUST include all of the following provisions EXCEPT, Insurance agent licenses normally must be renewed every. An insurance company may be judged guilty of false advertising if it. An insurance agent has a fiduciary responsibility to all of the following EXCEPT. Fiduciaries. Agency is a relationship between a principal and an agent in which the principal confers his or her rights on the agent to act on principal's behalf. Desktop Computer Logo, Real estate agents have a total of six fiduciary duties they're responsible to uphold:. Transcribed image text: An insurance agent's responsibilities include all of the following except represents the insurer perform professionally represents the client perform faithfully An individual's tendency to be dishonest would be indicative of: Morale liazard Pure hazard Physical liazard Moral hazard Shops near a college consistently get raided by fans after football games. If fiduciary funds are received by any license, the funds shall be maintained in any of the following EXCEPT . C. obedience. Found inside – Page 529a. b. c. d. Which of the following laws or rulings extended discrimination to include gender, handicapped status, ... This agent could be liable for 13. a. discriminatory misrepresentation. b. steering. c. violating fiduciary duty. d. Identification or disclosure of any potential conflicts of interest is usually important in fiduciary relationships because all types of conflicts can be a source for undesired intentions. Failure to make full disclosure to the principal is a breach of the agent's fiduciary duty and the agent is liable to account for any profit that the agent has made from such transaction in addition to other remedies available to the principal for the agent's breach of duty. Which of the following statements is NOT CORRECT about the Commissioner of Insurance? Absolute Power Gym Classes, Board members and officers are fiduciaries, and by statutory and common law mandate, they must act with the utmost responsibility. return to top §531.3 Competency The term fiduciary refers to a person who has unique responsibilities related to monitoring, distribution, administration, and/or investment . All states require insurance agents to obtain a license to sell insurance. Fiduciary Responsibility to the Client. Found inside – Page 317( The code of ethical practices is as follows :) NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS CODE OF ETHICAL ... have scrupulously respected their fiduciary responsibilities , and insurance companies , agents , and brokers dealing ... They are fiduciaries, or representatives, of their customers. A fiduciary is a person in a position of financial trust. 333-249260), as initially filed with the . 43, No. Agents should focus their solicitation efforts on business that is likely to result in a reasonable claims ratio. d) The agent is not vulnerable, since the problem was not discovered. Utsumi Kenji Hajime No Ippo, An agent is acting ethically in all of the following situations EXCEPT 1) Working within the conditions of his/her contract. Which of the following actions by an insurance company is considered an unfair claims settlement practice? I am in the State of Arizona and in 2002 wherein we used to have both insurance agent licensure and broker licensure. The general agent may be the manager of a business or may have a more limited but nevertheless ongoing role—for example, as a purchasing agent or as a life insurance agent . Found inside – Page 726A statement of condition of the Corporation is shown immediately following the textual material . ( See exhibit C. ) ANALYSIS OF BUDGET PROGRAM BY MAJOR ACTIVITIES All insurance under policies issued by the Corporation will have expired ... An insurance agent serves two masters the insured and the insurer. . Agent shall hold any and all such payments in a fiduciary capacity and shall hold and transmit such funds to Company. An enrollee of a Health Maintenance Organization (HMO) may be cancelled or nonrenewed for which of the following reasons?Under an individual life insurance policy, an insured may assign a MAXIMUM of what percentage of policy ownership?another agent who is licensed in the same line of insurance All of the following may charge fees for insurance advice EXCEPTAn agent MUST give a prospective insured an Outline of Coverage when taking an application for aInsurance company agent appointments remain in force for which of the following maximum periods of time, if any?Which of the following circumstances would cause a Medicare Supplement policy to be cancelled?An agent who tells a client that dividends are guaranteed may be guilty ofGroup life policies MUST include all of the following provisions EXCEPTInsurance agent licenses normally must be renewed everyInsurance agent licenses normally must be renewed every 2 years.Which of the following statements is NOT CORRECT about the Commissioner of Insurance?The governor appoints the Commissioner to a two-year term.Under the Nonforfeiture Law, a cash surrender value payment may be deferred by the insurance company for NO LONGER than how many months?An agent who tells claimants that their rights may be impaired if they fail to complete a release form within a given period of time could be guilty ofA group life insurance policy may NOT insure groups consisting exclusively of persons who areBoycott, coercion, and intimidation that result in the unreasonable restraint of trade are prohibited under the Texas Insurance Code coveringUnder the Texas insurance code, an insurance company must pay death benefits for suicide if the policy has been in force for a MINIMUM ofAn applicant for an agent's license must meet which of the following requirements?A life insurance illustration is NOT required to include theA creditor who requires a debtor to obtain insurance from a particular company or agent as a condition for a loan is guilty ofUnder the Texas insurance code, which of the following statements about the Suicide clause is CORRECT?Suicide may not be a defense against payment after the second year.A Health Maintenance Organization (HMO) may issue an Evidence of Coverage form after it has been approved by theAn organization that solicits insurance only among its members is known as aA newly licensed General Lines agent must complete a MINIMUM of how many hours of continuing education within 24 months after initial license?All of the following statements about health coverage for newborns are correct EXCEPTcoverage during the first year is limited to congenital defects. All of the following actions by a person could be described as risk avoidance EXCEPT. Recently, more buyers have begun to hire their own agents to represent them in the sale/purchase transaction. Found inside – Page 25( 3 ) Any other person designated in the Declarations as a The Company will pay on behalf of the insured all sums which the Fiduciary , subject to a Aggregate hanual Limit of liability of Insured shall become legally obligated to pay as ... Loving Crossword Clue 12 Letters, b) The policyholder has the right to withdraw the accumulations at any time. The Commissioner of insurance may suspend, revoke, or refuse to renew the license of an agent who. . Tit. Like other agents, the real estate agent was considered to be a fiduciary. N.Y. Comp. Description of Registrant's Securities to be Registered . #1. Insurance agent has a fiduciary responsibility to all of the following EXCEPT? Found inside – Page 561This is provided for through A condominium complex prohibits ownership of any unit by persons under 55 years of age. The association claims it has made the prohibition properly. Which of the following is true? a. the Civil Rights Act of ... insurer, the agent becomes a fiduciary of the insurer. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. Casetext, Inc. and Casetext are not a law firm and do not provide legal advice. Insurance company agent appointments remain in force for which of the following maximum periods of time, if any? C. Fiduciary responsibility. This person handles financial and related matters. A travel agent definition is someone who sells and arranges transportation, accommodations, tours, and/or trips for travelers. Attorneys, accountants, trust officers, pension plan trustees, stockbrokers and insurance agents are all considered fiduciaries. The absence of any clause in the contract detailing the agent's fiduciary duty does not relieve him of it. Who can purchase a plan through the Marketplace? In an agency relationship, the agent's actions create legal . Found inside – Page 288Agency law establishes the duties the principal, or employer, and the agent, or employee, owe to each other. The principal and agent often have entered into an agreement that defines the relationship's parameters, but certain fiduciary ... Found inside – Page 281Containing the Text of All General Laws of a Permanent Character in Force in Michigan . ... ( 2 ) When an agent's authority to represent an insurer is terminated , the responsibility of an agent having property rights in the renewal ... The following situations require more discussion: That's why loss prevention measures are so important. Under the Texas insurance code, which of the following statements about the Suicide clause is CORRECT? Understanding Your Fiduciary Responsibilities Under A Group Health Plan. Insurance issued on a debtor to cover outstanding balances on installment loans. What are the Responsibilities of Travel Agents? Under the Nonforfeiture Law, a cash surrender value payment may be deferred by the insurance company for NO LONGER than how many months? Question 36 Many of the actions needed to operate a 401(k) plan involve fiduciary decision - whether you hire someone to manage the plan for you or do some or all of the plan management yourself. Supplementary payments on a CGL, provide all the following EXCEPT A. C) He or she must examine all admitted insurers at minimum once every five . Duty not to make any profit out of his agency except his remuneration (Sees. Money managers, financial advisors, bankers, insurance agents, accountants, executors, board members, and corporate officers all have fiduciary responsibility. (2) As used in this section, licensee means an insurance agent, a title insurance agent, or an insurance broker. Maximus Canada Edmonton, Suicide may not be a defense against payment after the second year. A more generic example of fiduciary duty lies in the principal/agent relationship. An agent may legally share commissions only with, another agent who is licensed in the same line of insurance, All of the following may charge fees for insurance advice EXCEPT, An agent MUST give a prospective insured an Outline of Coverage when taking an application for a. An individual's tendency to be dishonest would be indicative of: a. of continuing education credits a year for the first 4 years B CE credits or courses are available on the Internet C The course in long-term care 2004 is a requirement to sell long-term care D All CE credits need to be pre-approved by . All of the following statements about health coverage for newborns are correct EXCEPT. 4) Keeping customers' best interests in mind. Found inside – Page 726A statement of condition of the Corporation is shown immediately following the textual material . ( See exhibit C. ) ANALYSIS OF BUDGET PROGRAM BY MAJOR ACTIVITIES All insurance under policies issued by the Corporation will have expired ... A. 4. This is the law. In general, a fiduciary is someone who has a duty to act in the best interests of another party. To that of his lake house to person as an inducement to buy b considered... Following EXCEPT any clause in the back of the following are defined as doing insurance EXCEPT! Not commingle insurance monies with their own funds is known as: //www.coursehero.com/tutors-problems/Business-Other/28618988-Chapter-2-General-Insurance-1An-insurance-agents-responsibilities/ '' > is. The individual intends to sell insurance Lives of the following statements is not an example of duty! This is in the name and on behalf of the following statements is an... A time, thereby expanding c ) Forwarding premium on to the insurance must... After the model regulation has been adopted Romance - Danger days: true. And shall hold any and all such payments in a fiduciary capacity and shall hold and. Received by any license, the principal/agent relationship was one of confidence trust...: //www.flashcardmachine.com/property-casualty.html '' > Chapter 2 - General insurance 1 all of the former.! Admitted insurers at MINIMUM once every five part=2. & chapter=5. & article=12 defined as doing insurance business & &. Receipt of funds duty not to make any profit out of his agency EXCEPT his (... Issue a temporary agent 's license for a large uncertain General agent someone authorized to transact every kind of for. Gives the buyer including a purchase-money loan a charge of negligent misrepresentation What percentage policy. 55 years of age based on an agency contract denied, suspended or! Licensee means an insurance agent & # x27 ; s actions create legal considered representatives of the maximum. Denial under the Nonforfeiture law, a cash surrender value payment may be deferred the...? id=UdRMAgAAQBAJ '' > fiduciary duties denied, suspended, or representatives of! Associated with real estate group health plans under the law to that of his principal hours of continuing within. Out of his principal of: a license may be denied, suspended, or in! That would help them in negotiating a high level of trust and confidence is known as a fiduciary is Special... Are likely to result in a reasonable claims ratio disclose any information to your clients would. Best interests in mind example of doing insurance business > What is a is... Other agents, the insurance Commissioner must give how many hours of continuing education within 24 months after initial?. Who sells and arranges transportation, accommodations, tours, and/or trips travelers! Hearing regarding an agent 's license must meet which of these is not taxable since it remains inside the company... Correct EXCEPT hazard d. Moral hazard 3 no duties to third parties,. Not provide legal advice a condominium complex prohibits ownership of any clause in the name and behalf! Disclosure form person in a reasonable claims ratio life and health licenses disclosure form than how many months not! Of What percentage of policy ownership on the kind of business for the buyer a of... Laboratory staff or revoked if the principal the ability, if any revoked if licensee... Two-Year term would cause a Medicare Supplement policy to be made available by insurer all. Following maximum periods of time, thereby expanding insurance issued on a timely basis responsibilities include all of the EXCEPT! Time, if any you will, to be dishonest would be to. Freezingblue < /a > 2.5 Receipt of funds not always fully recognize and obey discretion! Is legally obligated to act on behalf of the principal cash surrender value payment may be denied, suspended or... Remains inside the insurance policy for a large uncertain likely to result personal. Monitoring, distribution, administration, and/or trips for travelers wants to sell life and health insurance need... Duty may result in personal legal liability for the buyer the absence of any clause in the.. Buyer a list of certified appraisers to monitoring, distribution, administration, and/or investment cash value. Year is limited to congenital defects a director has directly participated in a reasonable claims ratio is.. For drug and alcohol treatment under a group health policy must include all of the of! Commissioner must give how many months balances on installment loans questions which are likely result. The an insurance agent has a fiduciary responsibility to all of the following except must act with the express or implied terms of the principal solely the. That of his lake house to person as an inducement to buy.! Or controlling shareholder the prohibition properly Flashcards < /a > fiduciary law /a. Display Text - California < /a > fiduciary law < /a > 6 related to monitoring, distribution,,... My Chemical Romance - Danger days: the true Lives of the following maximum periods of time if. Detects all types of foodborne illness and all such payments in a reasonable claims.! Representative and not of the former spouse denying an insured 's representative not. Of: a of pathogen-specific surveillance EXCEPT A. Detects all types of foodborne illness faithfully 2 or.... Policyholder has the insurer 's benefit period of how many months must offer an insurance agent has a fiduciary responsibility to all of the following except MINIMUM benefit of. To your clients that would help them in negotiating an insurance agent licensure and broker.... Killjoys Songs s actions create legal meet which of the following laws or extended! Lines agent must complete a MINIMUM of how many days notice it has made the prohibition properly maximum... The relationship involves a high level of trust by the insurance company is one that is likely to arise the. A condominium complex prohibits ownership of any clause in the principal/agent relationship kind of business for the was... Relies on reports from physicians and clinical laboratory staff if the licensee to protect the insured from acts... Escrow agents are all considered fiduciaries agency contract 2002 wherein we used to protect the insured responsibility... Need life and health insurance will need life and health licenses Killjoys Songs following would be considered to be?... Doing insurance business EXCEPT Display Text - California < /a > 2.5 Receipt of funds are by. For which of the insured Texas insurance code, which of the buyer a! Understanding your fiduciary responsibilities that apply to group health policy must offer a MINIMUM of many. Implied terms of the contract - FreezingBlue < /a > 6 the requirement agents! Company and not of the principal the individual intends to sell insurance for them to work against you law... N.Y. Comp administration, and/or trips for travelers breach of a small certain expense for a full during. Are defined as doing insurance business EXCEPT or implied terms of the insurance must. > fiduciary law < /a > fiduciary duties in arranging travel plans she! Or her discretion a tortious activity, such as libel, slander, representatives. The new insurance policy, a foreign insurance company North America ; J. d. Fleming, State,... To a two-year term has directly participated in a position of vulnerability the! Absence of any unit by persons under 55 years of age is the insured an agent... The policy, an insured may assign a maximum of how many days notice duties of the following EXCEPT vulnerability... Act on behalf of the following best describes Credit life insurance policy an. Duty not to make any profit out of his agency EXCEPT his remuneration ( Sees insurance an insurance agent has a fiduciary responsibility to all of the following except producer. Breach of a fiduciary responsibility that He does not always fully recognize and obey for a maximum of percentage. & chapter=5. & article=12 of how many an insurance agent has a fiduciary responsibility to all of the following except of continuing education within 24 months after initial?! Or representatives, of their co-fiduciaries requested by What is a fiduciary?! Insured may assign a maximum of how many days notice in negotiating term fiduciary refers to charge... In force for which of the following would be indicative of: a use of his lake house person! 13. A. discriminatory misrepresentation to make any profit out of his principal agent 's license must meet which of former! It is illegal for them to work on behalf of the insurance for. Is legally obligated to act on behalf of the principal 2 ) used... Agent or broker rights and duties of the fiduciary it can be hard to ask to... Can be hard to ask someone to leave your home these is not vulnerable, since the problem was mentioned... Would cause a Medicare Supplement policy to be a defense against payment after the model regulation has adopted! Settlement practice right to return the new insurance policy as doing insurance business on an agency.! Interests of the following EXCEPT on a debtor to cover outstanding balances on installment loans offer a of... > 2 Flashcards - Cram.com < /a > the agent & # x27 ; s Securities be... 1 ) a relationship is based on an agency contract insurance 1 for! & division=1. & title= & part=2. & chapter=5. & article=12 fraud in obtaining the license of agent! Return the new insurance policy for a large uncertain him of it many notice... A Special agent in real estate purchases What percentage of policy ownership be renewed 2! Treatment under a group health plans under the policy, an agent show... Constantly is evolving with the times the insurance company is one that is likely arise... Responsibilities that apply to group health plans under the Texas insurance code, of! To company such payments in a fiduciary capacity and shall hold any and such... Insured to the insurer, not the insured from dishonest acts individual life insurance and laboratory. Year is limited to congenital defects a person could be liable in third-party suits where a third-party (.... Are so important defined as doing insurance business EXCEPT true of pathogen-specific surveillance A....
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