The diffusion of religion is best described as the process of
a. restricting religious practices
b. spreading religious beliefs to new areas and cultures
c. blending religions to the point where all become similar
d. influencing political arenas as cultures become more advanced

i think it is:

b. spreading religious beliefs to new areas and cultures

Explanation:

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

the correct answer is d