The correct answer is D. All of the above.
In complex cases, the underwriter may adopt judgment method, rather than numerical method only. This is because judgment method allows the underwriter to take into account all the relevant factors, including the insured’s character, financial situation, and the nature of the risk. Numerical method, on the other hand, is based on statistical data and may not be able to capture all the relevant factors.
Decision as to acceptability of risk is that of the underwriter. The underwriter is responsible for assessing the risk and deciding whether to accept it or not. The underwriter will consider a number of factors, including the insured’s character, financial situation, and the nature of the risk.
Postponement of risk is also a kind of underwriting decision. This is because the underwriter may decide to postpone the decision on whether to accept the risk until more information is available. This may be done, for example, if the insured’s financial situation is not yet clear.
In conclusion, all of the statements in the question are correct.