please solve 1 and 2. thumb up for u

1. Premiums of an insurance policy may change is certain circumstances such as: u. In life instances, when someone is diagnosed with a severe disease. b. In property casualty instance, when prices of real estate increase or decrease c. In health insurances, when someone is diagnosed with a severe disease. d. All the above are correct. 2. Which of the following statements is not true: a. If a call option is exercised at some future time, the payoff will be the amount by which the stock price exceeds the exercise price. b. If the risk-free rate goes up while all other variables affecting stock option prices are kept fixed, then the price of a European put option is expected to go down c. The put-call parity sets out an important relationship between the prices of European put and call options that have the same strike price and time to maturity d. None of the above