Final answer:
It is false that a foreign insurer can conduct business by direct mail in a state without a license; they must adhere to state regulations. Proprietors in proprietary colonies had management responsibilities, not just profit collection.
Step-by-step explanation:
The statement that a foreign insurer can conduct business by direct mail in a state without a license from that state is False. To conduct insurance business in any given state, foreign insurers must comply with that state's insurance regulations, which typically include obtaining a license to operate legally within the state. Without this, insurers run the risk of facing penalties and being barred from operating in that jurisdiction.
Regarding a proprietary colony, it is False that the Proprietors have no responsibilities except to collect the profits. Proprietors had the responsibility to manage the colony, which involves maintaining order, managing relations with Indigenous populations, and carrying out the directives of the Crown or investors, depending on the colony's status.
Concerning Dillon's Rule, it is False that it gives local governments the freedom and flexibility to make decisions for themselves. Instead, Dillon's Rule stipulates that local governments only have the powers expressly granted to them by state law, the state constitution, or implied or incidental to those expressly granted, which constrains local government autonomy.