Question 16 9.5 pts Ana Rosa works for insurance company. She uses her background in mathematics to help the company determine the rates it must charge in order to pay for its losses. What is Ana Rosa's job title? Claims examiner Producer O Underwriter Actuary Question 17 9.5 pts One of the basic characteristics of Insurance is that losses are fortuitous. How would a risk manager best describe what this means? O Losses are unexpected and unforeseen by the insured. One party agrees to transfer the risk and another party agrees to assume the risk The average loss becomes substituted for the expected loss There are a large number of losses in the group. hd