Which of the Following Make(s)insurance Premiums Higher Than Otherwise

question 120

Multiple Choice

Which of the following make(s) insurance premiums higher than otherwise?

• A)adverse selection and moral hazard
• B)adverse selection,but not moral hazard
• C)moral hazard,but not adverse selection
• D)neither adverse selection nor moral hazard

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Definitions:

Obsessive-Compulsive Behaviors

Repetitive actions or mental acts that a person feels compelled to perform, often driven by irrational fears or thoughts.

Avoidance Learning

A type of learning in which an organism learns to prevent or avoid an unpleasant experience.

Conditioned Response

A learned reaction to a specific stimulus as a result of conditioning, where the response becomes automatic or reflexive.

Little Albert

Refers to a classic experiment in psychology where a young child was conditioned to fear a white rat, demonstrating how fears can be acquired through classical conditioning.