35) All of the following statements about insurance are true EXCEPT:

a)A large uncertain loss is exchanged for a small certain expenditure

b)As the number of insured units increases, the number of losses decreases

c)The insured transfers the risk of loss to the insurer

d)The insured may retain part of the loss through deduction

36) A contract may be voided for all of the following reasons EXCEPT:

a)A material error was made in the contract

b)One party signed the contract under threat of harm

c)The contract provided for an illegal activity

d)The consideration exchanged by the two parties was unequal

42) All of the following are special enrollment triggers EXCEPT:

a)Death of a covered individual

b)Divorce or legal separation

c)Dependent ceasing to be a dependent child

d)Diagnosis of a terminal illness