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Part 1:
If you were a financial advisor, what would be the economic justification for purchasing a life insurance policy that you could share with your client/customer? Why should the client buy one? What is the meaning and costs associated with "premature death"? Explain the difference between a term life insurance policy and a whole life insurance policy. What are the basic characteristics of each policy type? What is a "preferred risk" policy in life insurance?
Part 2:
Explain the following beneficiary designations. Describe the difference between the beneficiary types being compared. (3 points) Primary and contingent beneficiary Revocable and irrevocable beneficiary Specific or class beneficiary What is the difference between a participating life insurance policy and a non-participating policy? (2 points) Kathy, age 29, is married and has a son, age 3. She owns a $100,000 ordinary life insurance policy that contains a waiver-of-premium provision, guaranteed purchase option, and accelerated benefits rider. Kathy has several financial goals and objectives for her family. For each of the following situations, identify an appropriate contractual provision or policy benefit that will enable Kathy to meet her financial goals. Treat each situation separately. (5 points) If Kathy dies, she wants the policy proceeds to be paid in the form of monthly income to the family until her son attains age 18. Kathy is totally disabled in an auto accident when she failed to stop at a red light. After six months, she has not recovered and remains totally disabled. As a result, she cannot return to her former job or work in any occupation based on her previous training or experience. She finds that the premium payments for life insurance are financially burdensome. When she retires, Kathy would like to have the cash value in the policy paid to her in the form of lifetime income. She wants the payments to continue for a least 10 years. Kathy is terminally ill from a serious heart condition. Kathy's physician believes she will die within a year. Kathy has no savings and health insurance, and her medical bills are soaring. She needs $50,000 to pay all medical bills and other financial obligations. Three years after the policy was issues, Kathy was diagnosed with breast cancer. As a result, she is now uninsurable. She would like to purchase additional life insurance to protect her family.
Applying Visual Design Principles, From online sources, find three visual presentations of data, information, or concepts. Which of the three presents its data or information most clearly? What design choices promote this level of clarity? What im..
Research one restaurant trend to implement in your restaurant. This can be a food trend related to the theme or target market of your restaurant.
Begin with a discussion of the historical foundations of each school of thought: psychoanalysis, behaviorism, and humanism. Be sure to include a discussion of the following:
Choose the two (2) segments of the general environment that would rank highest in their influence on the corporation you chose. Assess how these segments affect the corporation you chose and the industry in which it operates.
Emery Industries (Emery) contracted with Mechanicals, Inc. (Mechanicals), to install a pipe system to carry chemicals and fatty acids under high pressure and temperature. The system required stainless steel ‘‘stub ends'' (used to connect pipe segm..
You are a high level manager who has been asked to show a PowerPoint Presentation to your employees on the ideas of stakeholders and corporate social responsibility.
Describe the three major types of corporate strategies and how the BCG matrix is used to manage those corporate strategies
Using the example of an international organisation of your choice, identify and evaluate their ethical business practices and effectiveness of implementation. Critically assess the effects of CSR on business performance:
From the e-Activity, discuss how the company you selected might benefit from selling new customers on e-Bay (as opposed to building and maintaining its own Website)
What are the three major tasks performed by salespeople? The three major tasks are order processing, creative selling, and team selling.
WHAT A BRIEF REPORT THAT OUTLINES THE REASONS FOR BURGMASTER'S DEMISE, AND WHETHER OPERATIONS MANAGEMENT PLAYED A SIGNIFICANT ROLE IN THE DEMISE.
"Misunderstanding and fear of failure as causes of team friction and methods of resolving it." and my part is types of team conflict in Woolworths.
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