Which of the Following Statements About Treaty Reinsurance Is True

Which of the following statements about treaty reinsurance is true?

A) Under a surplus-share treaty,100 percent of the ceding insurer's liability must be transferred to the reinsurer.
B) Using a quota-share treaty increases the ceding insurer's unearned premium reserve.
C) Under an excess-of-loss treaty,the reinsurer pays losses in full only if they are less than the ceding insurer's retention limit.
D) Using a reinsurance pool provides financial capacity to write large amounts of insurance.