Within the Discussion Board area, write 400–600 words that respond to the following questions with your thoughts, ideas, and comments. This will be the foundation for future discussions with your classmates. Be substantive and clear, and use examples to reinforce your ideas.

Part 1

Risk is present in any number of situations. For example, people in the United States may experience one or more of the following types of risk. Consider each of the following, and discuss the type of risk that is present in each situation. Is the risk insurable? Explain your answers.

Part 2

When one says that an insurance policy is aleatory or talks about a contract of adhesion, what is that person referring to?

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