4. Gloria is an instructor teaching an adjuster certification course. She wants each adjuster to understand the underwriting process of new applicants and the various "Risk Management" tools insurers use throughout the industry. She ask the students to read the statements below and determine which risk management tool was used for each underwriting risk presented. Use this scenario to answer the following question: Bob and Paula want to purchase a $1,000,000 policy for both their lives. ABC Insurance company would most likely __________________ in this risk. A Retain B Reduce C Refuse D Share