TASK DEFINITION: You will be given a trivia clue, and the category it belongs to. You should answer with the best answer that belongs in the category and is described by the clue. For consistency, answers should be in all lower cased letters.
PROBLEM: Category: INSURANCE 
Clue: It's a payment on an insurance policy or a ranking, especially for a brand of saltine

SOLUTION: premium

PROBLEM: Category: "OVER" & "OUT" 
Clue: The remote part of Australia

SOLUTION: the outback

PROBLEM: Category: I HAVE 5 KINGS 
Clue: In 1990 he revised his 1978 novel "The Stand"

SOLUTION:
stephen king