Could you answer this multip-choice question about health insurance ; underwriting ?

Question

Which of the following statements about underwriting is TRUE?

A. Underwriting assumes that adverse risk across different populations is the same

B. Underwriting is a process which requires potential insurers to release price rates prior to policy approval

C. Underwriting is a complex process in which insurance companies under-bid their competitiors in hopes of securing a buyer

D. Underwriting attempts to make an estimate of which groups will have the most medical needs

Answer 1

a. and b. are true

Answer 2

Its kinda tricky but I think the right answer is D. Adverse risk in different populations would be different.

Answer 3

B