Which of the Following Statements Is Incorrect

Which of the following statements is incorrect?

A) Insurance provides a payment to the insured under conditions specified by the insurance policy contract.
B) Individuals who are less exposed to specific conditions that cause financial damage are more likely to purchase insurance against those conditions.
C) Insurance can cause the insured to take more risks because they are protected.
D) Insurance companies employ underwriters to calculate the risk of specific insurance policies.