please hurry

Kim's assets include a house worth $350,000 and an investment portfolio with a value of $100,000. She owes $200,000 on her mortgage and has no outstanding balance on her $20,000 personal line of credit. Kim is a professional scuba instructor and spends much of her time diving. She wants to make sure her children could keep the home and go to university in the event of her death, and is considering purchasing insurance to protect against a premature death. Which of the following statements properly describe Kim's situation? a) By purchasing insurance, Kim's risk management strategy is an example of "risk reduction" b) Kim has a net worth of $230,000 c) Kim's career increases her morbidity risk d) In the context of insurance, Kim's investment portfolio is known as a "peril" Haley is shopping for disability policies and wants to know, which of the following would cause her premium to increase due to higher morbidity costs? i) Her clean driving record. ii) Her dad's recent heart attack. iii) Her frequent ski trips. iv) Her recent mortgage approval. a) i) and ii) b) i) and iv) c) ii) and iii) d) iii) and iv)