QUESTION 27 All are risk management techniques except: Risk Avoidance Risk Transfer Risk Development Loss Control None of the Above QUESTION 28 Why do Insurance companies have investment Operations? To stimulate the investment markets The State Law mandates it for insurance companies To increase surplus The premiums are to excessive and the average has to be invested conservatively None of the Above QUESTION 29 A Core Function of insurance Companies Operations is Customer Service for policyholders Deciding to accept the risk or renew it Accounting to collection premiums and distribute checks Loss Prevention All of the above are core functions QUESTION 30 The Risk Manager can best eliminate risk by Transfer to insurer Retain some of the Risk Avoid the Risk Control through Loss Control Techniques All of the above