What Is One Way Insurers Address Moral Hazard (Hidden Action)problems

Multiple Choice

What is one way insurers address moral hazard (hidden action) problems to align the interest of the insured with the insurer?

A) Underwriting all applicants for insurance
B) Charging lower premiums for riskier ventures
C) Performance based incentives (i.e. linking premiums to presence of fire detectors)
D) Insuring different parties from the same industry
E) Require full disclosure of all information (i.e. health status prior to issuing an income annuity)