Who agrees to pay for certain types of losses in exchange for payments on a policy?

The right answer is the insurer

the arctic is a region of the planet, north of the arctic circle, and includes the arctic ocean, greenland, baffin island, other smaller northern islands, and the far northern parts of europe, russia (siberia), alaska and canada.

answer: the exterior temperature of commercial jet planes as they leave the stratosphere and return to the ground increases steadily.

explanation:

the lower most layer of atmosphere is troposphere which extends from 0 to 12 km above the surface of the earth. the temperature initially decreases as distance is increased from the earth's surface. commercial jets fly in lower part of the stratosphere. the stratosphere extends upto 50 km. the temperature in stratosphere starts rising again due to presence of ozone which traps the uv rays.

thus, when the planes leave the stratosphere and return to the ground, the exterior temperature increases steadily.