Which of the following must an affidavit acknowledgment verify regarding surplus lines insurance?

The correct answer is that the affidavit acknowledgment must verify that the applicant authorizes the coverage. This requirement is essential in the context of surplus lines insurance, where coverage is provided by insurers that are not licensed in the applicant's state. The affidavit serves as a formal statement affirming that the applicant consents to the terms and conditions of the policy being offered, which is crucial for ensuring that all parties have a clear understanding and agreement regarding the coverage.

In the context of surplus lines, the focus is on the ability of the applicant to make informed decisions, particularly since surplus lines often come into play when traditional insurers cannot provide the necessary coverage. Hence, obtaining written acknowledgment of the applicant's authorization serves to protect both the insurer and the insured by clarifying consent.

Other options, while they touch on aspects of surplus lines, do not reflect the core requirement of the affidavit acknowledgment in this context. Approval from the state for insurers, federal support for the insurer, and premium stability for a specific duration are not conditions that the affidavit is designed to address directly. Therefore, the emphasis on the applicant's authorization is the key aspect highlighted in this question.