How does the approach to underwriting differ between an insurer that writes its own business and producers who have underwriting authority from an insurer? Select one: a. The insurer has internal controls to ensure underwriting guidelines are being followed, but a producer is responsible for ensuring they are complying with the guidelines themselves. b. The insurer is more interested in underwriting business that will result in underwriting profits for the company, but a producer aims to write as much business as they can to increase their commissions. 0 c. The insurer has to comply with the caps put into place by regulators on how much business it can write, but a producer can write as much business as they want as long as it meets the minimum underwriting requirements. O d. The insurer only has to audit its own staff to ensure compliance with the pre-determined rates, but a producer will be audited by the primary insurer and regulatory superiors to ensure compliance with rates