1. is the process of selling risk to someone who then assumes the risk and its consequences.
2. Hazards covered by the homeowners policy do not include floods and .
3. The home insurance benefits are specified as either actual cash value or .
4. The cost of auto insurance is related to three factors that create risk: the car, the , and the driving environment.
5. A is an amount payable by the insured before any expenses are assumed by the insurer.
6. A negotiates discounted rates directly with health care providers in exchange for making them the preferred providers for members seeking care.
7. Medicaid provides health care based on eligibility.
8. Disability insurance is designed to insure your should you survive an injury or illness impaired.
9. Life insurance is a way of insuring that your will continue after your death.
10. You will have to submit an application for a life insurance policy and may be required to have a exam or release medical records to verify your condition.

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