General Insurance Principles第 159 / 474 题
Insurance is best described as a method of handling risk by:
a.Eliminating the possibility that a loss will occur
b.Retaining every loss and paying for it out of pocket
c.Avoiding every activity that might produce a loss
d.Transferring the risk of loss to an insurer for a premium
解析
Insurance is the transfer of risk from an individual to an insurer in exchange for a premium; the insurer agrees to pay for covered losses. Avoidance and retention are other ways to handle risk, but they are not insurance. Insurance cannot eliminate the chance a loss will happen; it shifts the financial consequences of that loss from the insured to the insurer through pooling.
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