What type of problem does each individual approach from his or her own perspective, which includes cultural values, moral upbringing, present circumstances, society’s expectations, and a multitude of other variables?

Ethical problem

Explanation:

Every individual approaches ethical problem from his or her own perspective, which includes cultural values, moral upbringing, present circumstances, society’s expectations, and a multitude of few other variables.

both focus ón people who behave in a risky way and çause accídeñ both explaín how to púrchase insurance añd cover the costs of premium. both describe what happened when consumers fail to pay their premíums in time

your answer is "graduates" hope this