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Explanation:
Option (d) is correct because Warner's statement that "Reinsurance does not create credit risk" is incorrect. While purchasing reinsurance effectively mitigates an insurance company's underwriting (insurance) risk, it inherently introduces counterparty credit risk. If the reinsurer defaults or becomes insolvent and is unable to pay its share of the claims, the primary insurer (RLA) remains fully liable to its original policyholders. Thus, buying reinsurance transforms a portion of insurance risk into credit risk.
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24.2.2. Ron is a risk manager for RLA, an insurance company. Below is a conversation between Ron and his colleague Warner about credit risk.
In the above conversation, each of the statements is likely true (i.e., prima facie plausible) EXCEPT which of the statements is most likely incorrect?
A
Ron's statement about emerging market debt.
B
Warner's statement about originating new policies.
C
Ron's statement about reinsurance.
D
Warner's statement about reinsurance.