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Chapter 5 Questions. 1. Describe the personal risk management process. 2. List four responses to managing risk. 3. Define peril. 4. Define the three main types of hazards/ 5. Uist some of the unique characteristics of an insurance contract. 6. What are three methods used to determine the amount of life insurance needed? 7. Discuss the characteristics of term life insurance. 8. Define the difference between your own occupation and any occupation disability definitions and associated coverage. 9. Define the coverage available under a homeowner's insurance policy. 10. Define personal automobile policy (PAP). 11. Discuss why there is a need for personal liability insurance. 12. Differentiate between non-cancellable and guaranteed renewable