Could you solve those problems please dont just only one thank u

I don't have much time left. Please give me the answer to the questions please

27. Including life and permanent disability insurance cover in a superannuation fund, provides members the potential financial advantages of: A. Lower premiums due to the greater bargaining power of the fund B. Insurance payout goes directly to the policyholder. C. A young person in good health contributing to their insurance premiums on a pooled basis D. Both A and B 28. The process of risk management includes which of the following? A. Identification and evaluation of potential risks B. Apply appropriate insurances policies to cover identified risks C. Insurance policy review D. All of the above 29. Trauma insurance cover is available: A. As an extension to an existing term or other life policy B. As a stand-alone policy C. With premium payments set on a stepped or level premium basis D. All of the above 30. Which of the following is not considered to be a part of personal insurance? A. Life insurance B. Home and content insurance C. Comprehensive car insurance D. Compulsory third party insurance