How does insurance help an insured manage cash flow uncertainty?

a. It allows insureds to use funds for investment purposes rather than to be put aside for large retentions.
b. It facilitates loans to individuals and organizations by guaranteeing that a lender will be paid if a loss occurs on an insured property.
c. If a loss occurs, the insured's payments will be limited to the deductible payments and any amount that exceeds the policy limits.
d. It promotes the use of risk controls, which can lead to a reduction in losses and lower premiums.