During the Risk Assessment Process for a Traditional Indemnity Group

During the risk assessment process for a traditional indemnity group insurance health plan, group underwriters consider such characteristics as a group's geographic location, the size and gender mix of the group, and the level of participation in the group:

A) Healthcare costs are typically higher in rural areas than in large urban areas.
B) The morbidity rate for males is higher than the morbidity rate for females.
C) The larger the group, the more likely it is that the group will experience losses similar to the average rate of loss that was predicted.
D) All of the above