4. Insurance Company X is considering issuing a new policy to cover services required by elderly people who suffer from diseases that afflict the elderly. Premiums for the policy must be low enough to attract customers. Therefore, Company X is concerned that the income from the policies would not be sufficient to pay for the claims that would be made.

Which of the following strategies would be most likely to minimize Company X’s losses on the policies?

A. Attracting middle-aged customers unlikely to submit claims for benefits for many years.

B. Insuring only those individuals who did not suffer any serious diseases as children

C. Including a greater number of services in the policy than are included in other policies of lower cost

D. Insuring only those individuals who were rejected by other companies for similar policies A

E. Insuring only those individuals who are wealthy enough to pay for the medical services

请教各位做这道题的思路。我选的是E，答案说无关。

保险公司的income来自于投保人交的保费，cost就是支付给受益人的保险金（就是

elderly people生病等医疗费用），

要minimize保险公司的losses，就是要提高income，尽量减少cost，选项A满足要求；

B讲小时候的情况，属于无关；

C只会提高cost，不会减少损失；

D也会提高cost(被其他公司拒绝的人，肯定是会造成公司损失的人)；

E没有提到对保险公司income或是cost的影响，自然是无关选项