Which of the following statements regarding the impact of the Longevity and Mortality Risk on the profitability of most life insurance companies and most types of annuity contracts are generally true? I. Increases in longevity adversely affect the profitability of annuity contracts II. Increases in longevity increase the profitability of most life insurance companies m. Increases in mortality adversely affect the profitability of most life insurance companies IV. Increases in mortality increase the profitability of most types of annuity contracts V. These two risks (Longevity and Mortality risk) somewhat offset each other. Select one: a. I and II Ob. III and IV Oc. II, III and v d. I, IV and V Oe. All of them