11:02 AM Question 31 1 point) Marie and Pierre are nearing retirement. An advisor is discussing risk management with them. Among the various risks they have identified the risk of death and the risk of critical liness seem to be the most important. They decide to take out life insurance but believe their savings should be sufficient in the event of a critical Which risk management strategies are they applying by taking out life insurance? al Risk transfer and risk disregard Risk mitigation and risk avoidance Od Risk avoidance and risk reduction di Risk transfer and risk retention