Which of the Following Is True of Insurance Underwriting

Which of the following is true of insurance underwriting?

A) Insurance underwriting is any activity that reduces the chance that a loss will occur.
B) Insurance underwriting is a process used to avoid an act that would create a risk.
C) Insurance underwriting is a process that helps insurers determine the insurance needs of the potential insured.
D) Insurance underwriting is any activity that lessens the severity of loss once it occurs.
E) Underwriters design rate classification schedules so that people pay premiums that reflect their chance of loss.