Explain the two death benefit options that are available to you when you purchase a universal...
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Explain the two death benefit options that are available to you when you purchase a universal life or current assumption policy.
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Who bears the investment risk in variable life and universal variable life policies? How does this differ from investment risks borne by the buyer of a universal life policy?
Homework Answers
Universal life insurance offers two death benefit options:
Option 1: It pays a straight death benefit, which includes the cash accumulated in the contract.
Option 2: It offers an increasing death benefit like when an individual die, the beneficiary gets the death benefit plus the accumulated cash value.
Add Answer to:
Explain the two death benefit options that are available
to you when you purchase a universal...
Who bears the investment risk in variable life and universal variable life policies? How does this...
Who bears the investment risk in variable life and universal variable life policies? How does this differ from investment risks borne by the buyer of a universal life policy?
Drop down options: 1. term, whole, universal 2. term, while, universal Ch 08: Assignment - Insuring...
Drop down options:
1. term, whole, universal
2. term, while, universal
Ch 08: Assignment - Insuring Your Life Back to Assignment Attempts: Average: 2 8. Choosing policies based on circumstances Which Insurance Policy Is Best? Jake and Sondra are a married couple in their mid-thirties who are planning to start a family. Sondra works as a real estate agent and earns $250,000 a year, and Jake works as a dental assistant earning $40,000 a year. They would like to have...
FALSE (Please marka Tor Fon your answer sheet) 21. A non-forfeite option in which the cash...
FALSE (Please marka Tor Fon your answer sheet) 21. A non-forfeite option in which the cash value is used to keep the full death benefit in force possible is called the extended term opcion. The installation of ww w sprinkler we in a hotel is an example of a loss reducto dath benefit in force for as long as hotel is an example of a loss reduction method of Requiring retailers who sella 's pode r ing the firm from...
What types Of marketing messages should each of the three life insurance companies design to reach...
What types Of marketing messages should each of the three life
insurance companies design to reach consurners such as John and
Sandy. for either the information search. evaluation of
alternatives. or both Stages Of the buying decision marking
process?
ohn Mulvaney just reached an important milestone in his life-birth of his first child. After seven years as a DINK (dual income-no kids) family, he and his wife Sandy decided it was time add a new member. At that point the...
Question Two a) Suppose that you have an extra K111.3 today that you wish to invest...
Question Two a) Suppose that you have an extra K111.3 today that you wish to invest for one year. If you can earn 11.1% per year on your investment, how much will you have in one year? (10 marks) 1.) Compared to investing in a single security, how does diversification help the investors? (3 marks) 2) In what situation is Portfolio diversification least likely to protect against losses: 3) Explain the features of a defined contribution pension plan: (5...
Explain the audit steps for detecting the following issues. For each of your answers provide two possible steps you coul...
Explain the audit steps for detecting the following issues. For each of your answers provide two possible steps you could utilize to identify the item. For each, discuss what the risk may exist, and why an investor would want assurance that an auditor has covered those risks. (e) Unrecorded purchase of investment securities
Explain the audit steps for detecting the following issues. For each of your answers provide two possible steps you coul...
Explain the audit steps for detecting the following issues. For each of your answers provide two possible steps you could utilize to identify the item. For each, discuss what the risk may exist, and why an investor would want assurance that an auditor has covered those risks. (e) Unrecorded purchase of investment securities (f) Unrecorded stock compensation expense (g) Unrecorded covenant violations (h) Unrecorded contingent liability
Please answer D, E, and F. Interpreting Disclosure on Employee Stock Options Intel Corporation reported the following...
Please answer D, E, and F.
Interpreting Disclosure on Employee Stock Options Intel Corporation reported the following in its 2015 10-K report. Share-Based Compensation Share-based compensation recognized in 2015 was $1.3 billion ($1.1 billion in 2014 and $1.1 billion in 2013) During 2015, the tax benefit that we realized for the tax deduction from share-based awards totaled $533 million ($555 million in 2014 and $385 million in 2013)... We use the Black-Scholes option pricing model to estimate the fair value...
14) Which of the following statements about life income settlement options is (are) true 1. Under...
14) Which of the following statements about life income settlement options is (are) true?I. Under a joint-and-survivor life income option, payments cease at the death of the second (last) surviving) annuitant,II. Under a life income with guaranteed period, a contingent beneficiary is guaranteed a minimum number of payments regardless of when the primary beneficiary dies.A) I onlyB) II onlyC) both I and II]D) neither I nor II15) Bruce left a question about heart disease blank on his life insurance application...
1). The retirement benefit of the Social Security program is considered a progressive benefit with a...
1). The retirement benefit of the Social Security program is
considered a progressive benefit with a regressive financing
scheme.
(1) How is the Social Security benefit progressive?
(2) How is its financing scheme regressive?
2). One of the main goals of the ACA (Patient Protection and
Affordable Care Act of 2010, aka Obamacare) was to provide
affordable health care to the uninsured.
1. What were the THREE primary pieces of the law that were meant to
provide coverage for everyone...
Drop down options:
1. term, whole, universal
2. term, while, universal
Ch 08: Assignment - Insuring Your Life Back to Assignment Attempts: Average: 2 8. Choosing policies based on circumstances Which Insurance Policy Is Best? Jake and Sondra are a married couple in their mid-thirties who are planning to start a family. Sondra works as a real estate agent and earns $250,000 a year, and Jake works as a dental assistant earning $40,000 a year. They would like to have...
FALSE (Please marka Tor Fon your answer sheet) 21. A non-forfeite option in which the cash value is used to keep the full death benefit in force possible is called the extended term opcion. The installation of ww w sprinkler we in a hotel is an example of a loss reducto dath benefit in force for as long as hotel is an example of a loss reduction method of Requiring retailers who sella 's pode r ing the firm from...
What types Of marketing messages should each of the three life
insurance companies design to reach consurners such as John and
Sandy. for either the information search. evaluation of
alternatives. or both Stages Of the buying decision marking
process?
ohn Mulvaney just reached an important milestone in his life-birth of his first child. After seven years as a DINK (dual income-no kids) family, he and his wife Sandy decided it was time add a new member. At that point the...
Please answer D, E, and F.
Interpreting Disclosure on Employee Stock Options Intel Corporation reported the following in its 2015 10-K report. Share-Based Compensation Share-based compensation recognized in 2015 was $1.3 billion ($1.1 billion in 2014 and $1.1 billion in 2013) During 2015, the tax benefit that we realized for the tax deduction from share-based awards totaled $533 million ($555 million in 2014 and $385 million in 2013)... We use the Black-Scholes option pricing model to estimate the fair value...
1). The retirement benefit of the Social Security program is
considered a progressive benefit with a regressive financing
scheme.
(1) How is the Social Security benefit progressive?
(2) How is its financing scheme regressive?
2). One of the main goals of the ACA (Patient Protection and
Affordable Care Act of 2010, aka Obamacare) was to provide
affordable health care to the uninsured.
1. What were the THREE primary pieces of the law that were meant to
provide coverage for everyone...
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