Which of the four characteristics of a marketing audit is described by the fact that outside consultants can bring necessary objectivity to the process?

Stock insurance companies frequently issue assessable insurance policies.

a. true b. false

Which of the following statements is (are) true concerning the use of an individual's credit history as an insurance rating factor?

I. Individuals with poor credit histories, as a group, generally file fewer homeowners claims than do individuals with good credit histories. II. A poor credit history can be improved over time, allowing for the purchase of homeowners insurance at a lower premium. A) I only B) II only C) both I and II D) neither I nor II