Question 1 (1 point) Contingent beneficiaries receive their share of the life insurance payout at the same time as the primary beneficiary, True False Question 2 (1 point) An HSA is a 'use it or lose it" savings program, while an FSA is a carryover program True False Question 3 (1 point) The purchase of insurance is a common form of which risk management technique ? Ofisk avoidance loss control Orisk retention O risk assumption Orisk transfer