Final answer:
A combined ratio of over 100% would indicate that the total is greater than the sum of its parts.
Step-by-step explanation:
A combined ratio of over 100% would indicate that the total is greater than the sum of its parts. In other words, if you have a combined ratio of over 100%, it means that the parts being combined exceed the whole.
For example, let's say you have a combined ratio of 120%. This means that the total is 20% more than the sum of the individual parts. If you add up the parts, they would only make up 100%, but the total is 120%, indicating that there is an additional 20%.
Therefore, option d. It would be greater than 100 percent, is the correct answer.