If Insurers Didn't Practice Pooling, What Would Happen

Multiple Choice

If insurers didn't practice pooling, what would happen?

A) They would save a lot of time and money by not having to do difficult calculations.
B) They would make a handsome profit since they would get to sell a lot of insurance to a lot of people.
C) The insurance mechanism would become unfeasible.
D) The insurance mechanism would become the largest money-making venture in the United States.