Which statement best captures the factors to look into if Change in NWP ratio is unstable?

Which statement best captures the factors to look into if Change in NWP ratio is unstable?

• A. Are the assets properly valued and liquid enough to meet cash demands.
• B. Are the reserves adequate?
• C. Is the insurer's capital adequacy sufficient?
• D. Are both assets properly valued and reserves adequate?

Answer: (D)