Final answer:
Loss of employment is the most difficult human peril to insure due to economic risks, a high unemployment rate among disabled individuals, and the unpredictable nature of employment which makes it hard for insurance companies to estimate risks.
Step-by-step explanation:
Out of the options provided, loss of employment is generally the most difficult peril to insure. This difficulty arises because job loss can be influenced by a wide variety of factors such as economic risks including natural disasters, war, or widespread industry downturns, over which an individual has little control. Furthermore, the high unemployment rate among people with disabilities may be exacerbated by factors like unhealthy lifestyles, risky cultural behaviors, and a lack of economic diversity in certain locations, which can limit the availability of suitable employment for those who are physically impaired. In essence, the unpredictable nature of employment, combined with imperfect information and the variance in individual circumstances, makes it challenging for insurance companies to estimate the risk and offer coverage for loss of employment.