Explain what “community rating” and “actuarial rating” are.
Explain how the insurance industry has moved from one style to
another and why they did that.
What are the three major rating agencies? What are some criteria
that the rating agencies use when assigning ratings? What impact do
bond ratings have on the cost of debt to the issuing firm?
what are the mental health consequences of COVID 19? what are some
other consequences? also, why is it important to consider these
mental health consequences? what do you hope to change the reader
mind?