11th Edition GMAT OG里一道CR的题，求大神详解啊！

cohy

题目来自11th Edition的GMAT OG，第480页45题
Fewer families lose their housed because of major disasters such as fire or flood than because of a wage earner's illness that results in death or disability. Yet, whereas most mortagage companies require borrowers to carry insurance to protect against major disasters, they do not require insurance to protect against the death or disability of a wage earner.

Which of the following, if true, would contribute most to an explanation of the difference in insurance requirements?
(A) Some people are less aware of tragedies caused by major disasters than of those caused by the death or disability of a wage earner.
(B) Many people are made uncomfortable by having to consider the possibility of their own death or disability or that of a family member.
(C) Few wage earners are insured by their employers against a temporary loss of income resulting from disability.
(D) The value of a property to a mortagage company is not affected by the death or disability of a wage earner.
(E) Insuring against major disasters can be more costly than insuring against death or disability.

答案应该是D，但是E为什么不可以呢？
OG的答案里面提到说，insurance against major disasters can make mortagage companies protect their investment in collateral peoperties, 但是insurance against the death or disability will not affect the value of the property of the mortagage company.
迷茫ing。。。题目和答案选项哪里看的出来insurance against major disasters需要collateral property而insurance against the death or disability不需要啊？
以及E选项里面，如果insurance against major disasters is more costly，那对mortagage company来说就可以多赚一些保费啊，不也可以选吗？？？

看在偶辛苦打字的份上，求各位大神帮忙解释一下啊~~~~~~~谢谢！！！

hatahata

当一个农民向抵押公司借钱时，需要抵押他的房屋作为担保，也就是说一旦这个农民无法偿还他借的钱时，抵押公司可以收走他的房屋，这样一来，抵押公司就不会承担任何无法收回债务的风险。

但是如果该农民无法还债，并且他的房屋被大火烧掉或被大水冲走，那么抵押公司就会既无法收回它的债务，也无法得到农民的房屋。因此呢需要农民去买自然灾害保险（收益人是发生灾害时房屋的拥有者），一旦农民的房屋被大火烧掉或被大水冲走，房屋的拥有者（在农民无法还债时拥有者是抵押公司）会从保险公司得到一笔肯定会相当于房屋的钱。

如果该农民无法还债，并且他的房屋被大火烧掉或被大水冲走，并且该农民死了或残废了，而该农民只买了伤残保险。那么会怎样呢？伤残保险的受益人（可能是抵押公司）会因为农民死了或残废了而收到一笔钱，这笔钱也许多于房屋的价值（即农民从抵押公司借走的钱），也许少于房屋的价值。如果抵押公司是伤残保险的受益人，并且这笔钱少于农民从抵押公司借走的钱，那么抵押公司就会赔本。

hatahata

简单地说来，在农民借贷之后和还债之前，农民的房屋是属于抵押公司的，因此抵押公司需要确保该房屋不会因为自然灾害而受损。至于农民健康、残疾或死亡，抵押公司不关心，抵押公司只关心属于它的财产。

cohy

现在的确是懂了~~~~~~多谢大神指导！！！