Given the requisites of an insurable risk, which of the following exposures would make the best subject of a profitable insurance pool?  (Assume a premium appropriate to the exposure is charged, and analyze the exposure from an insurer’s standpoint.)

Billy is driving to the beach for spring break.  Before leaving on his trip, he takes some cold medicine that makes him sleepy.  He falls asleep at the wheel and collides with another car on the highway and breaks his leg.  In this context, which of the following is the hazard?

An insurance applicant dying from cancer is not likely to be insured because:

A foreign insurer is:

Lloyd’s of London

An insurance applicant dying from cancer is not likely to be insured because:

Shanelle travels to Las Vegas, and puts $5,000 on the roulette table, hoping to win big.  Which of the following statements is true about this situation?

Risk retention is not a good idea if:

Lloyd’s of London

In Module 1, Lifestyle Medicine was described as an “upstream approach” to Medicine, which was defined as identifying pre-pathological changes in an individual, rather than waiting for the downstream diagnosis to occur.  Review each of the following examples of a lab result and provide your rationale regarding whether each example would or would not depict an opportunity to intervene early using  an “upstream approach”) when viewing the following lab results: A.  Fasting glucose 97, fasting insulin 21, Hemoglobin A1c 5.2 B.  Fasting glucose 79, fasting insulin 31, Hemoglobin A1c 5.3 C.  Fasting glucose 107, fasting insulin 27, Hemoglobin A1c 6.8