To answer this question, you need to understand the roles and responsibilities of different professionals in the insurance industry.

Option A) Adjuster - This option is incorrect because an adjuster is a person who investigates and evaluates insurance claims to determine the extent of the insurance company's liability. They assess the damages and negotiate settlements with the policyholder.

Option B) Actuary - This option is correct. An actuary is a professional who analyzes data on past losses and expenses associated with those losses. They combine this information with other relevant data to develop insurance rates. Actuaries use mathematical models and statistical techniques to assess risk and calculate the probability of future events, such as accidents or illnesses. They play a crucial role in determining insurance premiums and ensuring that insurance companies remain financially stable.

Option C) Aggregator - This option is incorrect. An aggregator is a term used in the context of online platforms that collect and display information from multiple sources. In the insurance industry, an aggregator website may gather quotes from different insurance providers to help consumers compare prices and coverage options.

Option D) Underwriter - This option is incorrect. An underwriter is a professional who evaluates insurance applications and determines the terms and conditions of the insurance policy. They assess the risk associated with insuring a particular individual or entity and calculate the appropriate premium. Underwriters analyze various factors, such as the applicant's health, occupation, and lifestyle, to assess the likelihood of a claim.

The correct answer is B) Actuary. Actuaries analyze past loss data and associated expenses to develop insurance rates. They use mathematical and statistical techniques to assess risk and calculate premiums.

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• Wrong explanation