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7. Policy reserves to a life insurance company represent A) loans made to policyholders based on the cash value of the policy B) the value of expected future payouts on existing policies C) a reserve set aside for unexpected changes in the market value of assets D) a form of reinsurance that helps to reduce risk of the policies held E) assets that are unable to be invested because they have to be "reserved" 5. Besides underwriting life policies, life insurance companies have traditionally offered all of the following EXCEPT A) Health insurance B) Mortgage-backed securities C) Annuity contracts D) Private pension fund management E) Accident insurance