Principios Generales de SegurosPregunta 347 de 716
Buying an insurance policy is an example of which method of handling risk?
a.Risk transfer
b.Risk retention
c.Risk reduction
d.Risk avoidance
Explicación
Insurance is the transfer of the financial consequences of a risk from an individual to an insurer in exchange for a premium. Avoidance means not engaging in the risky activity at all. Retention means keeping the risk yourself, as with a deductible or self-insurance. Reduction means taking steps to lower the frequency or severity of loss, such as installing smoke detectors. Only transfer shifts the risk to another party, which is precisely what an insurance contract accomplishes.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)