Which of the following characteristics of an ideally insurable risk is not always met with health care needs?

Pooling

Fortuitous Losses

Risk Transfer

None of the above

Amy purchased a term life insurance policy. If she commits suicide $3$ years after the policy is purchased, and the insurer is able to prove her death was a suicide, how much will be paid by the insurance company?

Nothing as the policy is void

The policy loan value

The face value of the policy

None of the above