As a risk management technique, which of the following best illustrates risk transfer? A. Carol eats a healthy diet and exercises regularly, hoping that doing so will keep her healthy.

B. Sheila refuses to drink alcoholic beverages if she expects to drive a car afterward.

C. John refuses to buy life insurance because he figures he has enough money in his savings to pay for his burial when he dies.

D. Robert purchases life insurance because he figures doing so is far less expensive than trying to save all the money his survivors would need upon his death.