Which of the following is not an insurable risk?

a$.$ The risk that three $20-$year old's all die in same plane crash.

b$.$ The risk that a company goes out of business because their product becomes obsolete.

c$.$ The risk that a company goes out of business because the three $20-$year$-$old owners all die in same plane crash.

d$.$ The risk that a company goes out of business because its home office gets destroyed by a plane crashing into it$.$

Which of the following would most likely result in lower premium rates for a life insurance product?

a$.$ Higher than expected investment income

b$.$ Higher than expected operating expenses

c$.$ Higher than expected mortality costs

d$.$ Higher than expected inflation rates