Decreasing response times for jurisdictions and disciplines to respond to emergency incidents is a performance objective for ________

Which of these is considered to be a Living Benefit option in a life insurance policy?

A) Reinstatement B) Waiver of premium C) Accelerated death benefit D) Payor benefit

Ryan decided to review his personal risk management program. His car is 10 years old, and he would receive little money from his insurer if the car was damaged or destroyed. Ryan decided to drop the physical damage insurance on the car

From a risk management perspective, dropping the physical damage insurance on the car is best described as A) increasing the use of avoidance in the risk management program. B) increasing the use of noninsurance transfer in the risk management program. C) increasing the use of retention in the risk management program. D) increasing the use of risk control in the risk management program.