Answer the followings questions 1. Reinsurance would be used by Sundown Insurance, a primary insurer, for each of the following reasons except to: Group of answer choices a. stabilize profits. b. increase the unearned premium reserve. c. increase underwriting capacity d. protect against catastrophic losses 2. You are taking a 4-hour P&C insurance license exam. Your next exam question indicates that the building and personal property insurance form provides several optional coverages. Which optional coverage provides that no deduction is taken for depreciation when settling a covered loss? Group of answer choices a. replacement cost b. inflation guard c. extra expense d. agreed value 3. Cynthia Stephens holds the position of senior risk and compliance manager of Distler Company, located in California. Cynthia wants to obtain protection for direct physical loss under the business and personal property (BPP) coverage form. Which causes of loss form should she complete to obtain this coverage? Group of answer choices a. special form b. standard form c. broad form 23 d. basic form ABC