Please Help Me To Answer This

(A)

Insurance coverage can reduce the incentives to undertake loss control activities if insurers _____ * lower premiums after loss control is implemented help pay for the loss control pay for losses anyway dont reduce insurance premiums to reflect the effects of the loss control activities

(B)

Which of the following statements about treaty reinsurance is true? * Select all that apply. The reinsurance often applies even to those policies that have not yet been written as long as the risks falls within the pre-agreed scope. The reinsurer must accept all business that falls outside the scope of the treaty. The reinsurer is required to underwrite each individual applicant that is reinsured. It protects the reinsurer by requiring the ceding insurer to charge adequate premiums.

(C)

According to the law of large numbers, what happens as the number of exposure units increases? * Actual results will more closely approach expected results. Underwriting expenses should decrease. The insurer's profitability should become more variable. The amount the insurer expects to pay in claims should decrease.

(D)

All of the following are reasons for a primary insurer to use reinsurance EXCEPT ___ * to increase the unearned premium reserve. to stabilize profits. to increase underwriting capacity. to protect against catastrophic losses.