n Question 5 1 pts An insurance company has an expense ratio of 45%. It pays 2.5% of premiums as dividends to its policy holders and has a loss ratio of 58.5%. The investment yield to premium ratio is 7%. What is the operating ratio for the company? 99.00% 96.50% 58.50% O 113.00% Question 6 1 pts What is the major job of insurance underwriters? They sell insurance contracts for coverage. They reduce the risks of underwriting and selling insurance. They assess and price risk. They assess claims and determine coverage