Answer:
A, B and D
Explanation:
The financial institution help with respect to risk bearing in the following ways
1. The risk should be spread with the help of pooling the premium and the claim should be paid with respect to accident, fire, etc
This results in spreading the financial risk
2. Mutual funds and the pension funds should be spread among various stocks and bonds so that the risk could be spread rather limited to one company
3. The risk should be spread among various clientele
Therefore the option A, B and is correct and C is in correct as the investment companies do not deny in case when it would meet the risk and returns objectives
