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Across 3. unauthorized (2 Words) 4. the person receives and delivers policies 6. derogatory talk 8. financial responsibility of the insured 12. take it or leave it 13. license of the insurer (3 Words) 15. sharing profits back to the insured 18. license to preserve agency assets 20. formed in Arkansas 21. the chief executive 25. something of value 29. intentional withholding of information 30. chance of gain/loss 32. indemnification against at fault parties 33. persuading another to forcibly transact a policy 36. license issued to an agent domiciled in another state (2 Words) 38. consumer protection against inaccurate information (2 Words) 42. reduction 43. not engaging with the general public 46. license with reduced authority 47. intentional/dishonest with intent of cheating

Down 1. to make whole again 2. section containing basic underwriting information 4. overstepping granted authority 5. fraud (2 Words) 7. the section outlining parties to a contract (2 Words) 9. uncertainty of loss 10. large numbers of similar losses (4 Words) 11. promises, inducements personal services 14. misrepresentation (2 Words) 16. domestic (3 Words) 17. insured and insurer cannot agree on loss 19. act for a promise 22. general rules or procedures agreed upon the contract 23. accepted professional standards of conduct 24. represents more than one insurer 26. perils not insured against 27. license to one agent appointed by a company 28. admitted 31. sworn statement before any loss can be paid (3 Words) 34. the money held in trust 35. sudden, unplanned, unexpected 37. authority assumed to have 39. defines the person protected under the contract 40. increases the chance of loss 41. profit/losses shared amongst the stockholders 44. incorporated in Europe 45. risk with no possibility of gain