Which is not a factor that an insurance company would consider before setting the cost of a health insurance policy?

A. where the policyholder lives
B. the age of the policy holder
C. wether the policyholder has a mortgage
D. wether the policyholder smokes tabbaco

Ronald sees that his employer's stock has grown from $20 a share to $60 a share this year, while most stocks have seen only 5% growth. his employer offers to let him convert a large portion of his salary into stock options. what is not a valid reason to turn down the stock offer? a)stocks with high returns have high volatility, and ronald's company may not grow further. b)ronald may be taxed more for capital gains than he would be for employment income. c)stock options are illiquid, and ronald may not be able to use them to pay for unexpected bills. d)ronald would be committing stock fraud if he exercises the options.