However, numerous states have declined to set up trade records, including Florida, Illinois, and Texas. A critical antique of the state-based insurance direction framework in the United States is the polarity amongst conceded and surplus back up plans. Albeit experienced insurance intermediaries are very much aware of what chances a conceded safety net provider won't acknowledge. To calm guarantors and merchants of that dreary and tedious task, numerous states currently keep up of dangers that the state insurance chief has effectively recognized as having no scope accessible at all from any conceded back up plan in the state.