Which of the following medical plans represents government-based health insurance to people 65 years of age and over?

		long-term care insurance
		Social Security
		Medicaid
		Medicare
		Private Company HMOs

The Principle of Indemnity states that insurance coverage

	a.	should not be renewed after an adverse event occurs.
	b.	should not be renewed at the same premium after an adverse event occurs.
	c.	should be equal at all times to 80% of the loss or expense.
	d.	should not be less than 100% of the loss or expense.
	e.	should not be greater than 100% of the loss or expense.

In general, women and people starting a given life insurance policy at a younger age tend to have

	a.	higher premiums.
	b.	lower premiums.
	c.	premiums that are not different from the rest of the population.
	d.	more coverage.
	e.	less coverage.