Question 17 (1 point) Health insurance policies use which of the following (select all that apply) in dealing with substandard risks? Extra premiums Modification of coverage Renewal underwriting Exclusions Question 18 (1 point) The change in policy provision grants the policyowner the right to change the policy form. What do companies do to deter and detect adverse selection when the policyowner changes a plan provision? The company only allows one change to be made during the duration of the policy. The company reserves the right to underwrite any change involving an increase in a policy's net amount at risk or other policy benefit. The policyowner cannot cancel the policy within 6 months of the change. The policy death benefit cannot be increased by more than 25%