There are several techniques available for handling risk. For each of the following risks, identify an ap- propriate technique, or combination of techniques, that would be appropriate for dealing with the risk.

a. A family head may die prematurely because of a heart attack.

b. An individual's home may be totally destroyed in a hurricane.

c. A new car may be severely damaged in an auto accident.

d. A negligent motorist may be ordered to pay a sub- stantial liability judgment to someone who is injured in an auto accident.

e. A surgeon may be sued for medical malpractice.

f. An individual may be forced to declare bankruptcy because he or she cannot pay catastrophic medical bills.