I would have to go with number 3. There is a need for an authorized insurer to provide the type of insurance that people need in the state of Arkansas. The state may have laws that are different from the rest of the states in America, but in order to be sure that they are getting the best deals, they need to get their insurance from those who are authorized to give it.
There are a lot of people who may pretend that they can provide what people need, but most of the time, they do not have the authority to provide what people want. You do not want to pay for anything that is not worth your time and your effort, right?
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