39/ Named perils coverage protects the home and any other structures on the property against

A.only those events named by the homeowner's policy

B.loss reported to law enforcement agencies

C.events except those that are specifically excluded by the homeowner's policy

D.loss from theft and disaster damage

41/ In general, insurance companies generate their profit from

A.overestimating the value of client claims and keeping the difference as profit.

B.only insuring people who are low risk to claim.

C.selling a lot of certain kinds of highly profitable insurance products.

D.investing the proceeds of premiums until the funds are needed to cover claims.

43/ The cash value is the

A.income stream for the policy owner.

B.insurance dash related expenses incurred by a life insurance company

C.investment option for beneficiaries.

D.portion of the premium that is invested by the insurance company on behalf of the policy owner