CRISC Information Technology and Security Practice Question
An organization is evaluating cyber insurance to mitigate financial risk from potential data breaches. Which factor would most likely increase the insurance premium?
Answer choices
Why each option matters
Answer the question above first, then reveal the full breakdown to understand why each option is right or wrong.
Correct answer & explanation
✓
History of previous security incidents
A history of past security incidents indicates higher risk, leading insurers to charge higher premiums.
Answer analysis
Option-by-option breakdown
For each option: why learners choose it and why it is or isn't the right answer here.
- ✗
Implementation of multi-factor authentication
Why it's wrong here
Stronger security controls typically lower premiums.
- ✗
Adoption of a cybersecurity framework
Why it's wrong here
Framework adoption indicates maturity, likely reducing premiums.
- ✗
Regular penetration testing
Why it's wrong here
Regular testing demonstrates proactive risk management, potentially lowering premiums.
- ✓
History of previous security incidents
Why this is correct
Past incidents increase perceived risk and premiums.
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JA
Written by Johnson Ajibi, MSc IT Security
Senior Network & Security Engineer · founder of Courseiva
This CRISC practice question is part of Courseiva's free ISACA certification practice question bank. Courseiva provides original exam-style practice questions with explanations, topic-based practice, mock exams, readiness tracking, and study analytics to help learners prepare for the CRISC exam.