please don't use answers that are posted already please and thank you.

1. Fundamentals of Insurance Planning Provide four examples each of pure and speculative risks. What makes a risk insurable? How is an insurance contract different from gambling? Provide an example that includes risk, peril, and hazard. (Explain the specific type of hazard you have described as either moral, morale, or physical) Describe the four steps of the risk management process How can an individual or risk manager determine the appropriate course of action to take to address a risk? List and explain four methods of addressing risk. What is a risk? What are the various ownership structures for an insurance company to have? What are the differences between agents and brokers? When does an individual gain access to a non-admitted insurer? Explain domestic, foreign, and alien insurers