What must all insurance forms be, according to regulatory requirements?

All insurance forms must be filed and approved by the Commissioner to ensure compliance with state regulations and standards. This requirement serves to protect consumers by ensuring that insurance products are fair, clearly worded, and meet legal standards before they are marketed and sold. The approval process involves reviewing the forms for clarity, compliance with the laws, and adequacy of coverage, helping to maintain trust in the insurance system and preventing deceptive practices.

The other options do not fulfill the necessary regulatory requirements. For example, insurance forms being obsolete would imply that they are outdated and potentially ineffective for current regulations. Creating forms in duplicate doesn't relate to the necessity of approval but rather deals with administrative practices. Making forms available online, while beneficial for accessibility, does not ensure that those forms have been scrutinized and authorized for use.