I believe the answer is: <span>The early years are charged more then what is needed
The insurance companies create this policy in order to increase the commitment level of the insurance buyer and minimize the risk that they have to face in the future in case the insurance could be claimed by the insurance holders.</span>
Answer:
<em>guilty knowledge test</em>
Explanation:
<em>Guilty knowledge test:</em> The guilty knowledge test is also denoted as GKT, and is referred to as the psycho-physiological questioning technique which is being utilized as a part of the polygraph examination that assesses the suspects in terms of concealing guilty knowledge through measuring his or her physiological response while performing a specific series of a few multiple-choice questions.
<em>The given statement in the question signifies that the investigators were using the guilty knowledge test.</em>
