为什么2不对？

问题如下：

Tom plans to buy life insurance and consulted with insurance broker Johnson. Johnson provided Tom with the following three comments about life insurance:

Comment 1: Because everyone is going to die, everyone needs life insurance.

Comment 2: Life insurance is an effective way to reduce risk.

Comment 3: When the interest rate is lower, premiums on a newly issued life insurance policy are higher.

Which of Johnson's comments on life insurance is the most accurate?

选项：

A.

Comment 1

B.

Comment 2

C.

Comment 3

解释：

C is correct. Comment 3 is correct. The most relevant considerations in life insurance pricing are mortality expectations, the discounting (interest rates), and loading. The discount rate, or interest factor, represents an assumption about the insurer’s return on its investment portfolio, and it is used to discount future expected outflows (i.e., death benefits): as the discount rate decreases, the present value of these expected future cash flows increases, resulting in higher insurance costs and premiums.

A is incorrect. Comment 1 is incorrect. Life insurance protects individuals who rely on their future income from human capital losses. Typically, human capital is the most important in the early stages of a career, as it decreases with age and the development of financial capital.

B is not correct. Comment 2 is incorrect. Reducing risk means reducing the probability of risk occurrence or the degree of loss to mitigate the risk. Life insurance is a form of risk transfer.

C是正确的。评论3是正确的。人寿保险定价中最相关的考虑因素是死亡率预期、贴现（利率）和负载。贴现率或利息系数代表了对保险公司投资组合回报率的假设，用于贴现未来预期流出（即死亡保险金）：随着贴现率的降低，这些预期未来现金流的现值增加，使保险成本更高，保费也更高。

A不正确。评论1不正确。人寿保险保护那些依赖个人未来收入的人免受人力资本损失。通常，人力资本在职业生涯早期是最重要的，随着年龄的增长和金融资本的发展，人力资本会减少。

B不正确。评论2不正确。降低风险意味着通过降低风险发生的概率或降低损失的程度来减轻风险。人寿保险是一种风险转移形式。