1. Give two examples of how life Insurance premiums would be determined based on ageand gender. Explain which type of life Insurance you would
recommend for each situation.

Answers

Answer 1

Answer:

Life insurance is designed to pay out a death benefit to the person or persons you name as beneficiaries when you pass away. In exchange for this coverage, you pay a premium to the life insurance company. In the case of term life insurance, you'd pay these premiums for a set term prescribed by the policy. With permanent life insurance coverage, premiums are due as long as the policy remains in effect


Related Questions

A broker has an exclusive right-to-sell listing on a building. An offer to purchase the building is received while the owner is out of town. The offer requires a commitment from the seller before the seller is scheduled to return to the city. Under these circumstances, the

Answers

Answer:

Broker must obtain the signature of the seller to effect a contract.

Your clients, spouses Jared and Joaquim, are both 33 years old. They are concerned about saving money for a down payment on a home. Currently they have $120,000 set aside for that purpose. They plan to start a family in about a year and would like to buy the home in six months. The amount they have saved is more than 20% of the value of the homes in the area they want to move. They look to you for a place to save the money until they need it. Which of the following is the most suitable recommendation for the couple?

A) A 26-week T-bill
B) The Windmill Growth Fund
C) The Oldtime Life Insurance Company Variable Annuity
D) The Benji Money Market fund

Answers

Answer:

) The Oldtime Life Insurance Company Variable Annuity

For the year ended December 31, 2021, Norstar Industries reported net income of $965,000. At January 1, 2021, the company had 1,070,000 common shares outstanding. The following changes in the number of shares occurred during 2021: Apr. 30 Sold 85,000 shares in a public offering.May 24 Declared and distributed a 5% stock dividend.June 1 Issued 96,000 shares as part of the consideration for the purchase of assets from a subsidiary.Required:Compute Norstar's earnings per share for the year ended December 31, 2021. (Enter your answers in thousands. Round "EPS" answer to 2 decimal places. Do not round intermediate calculations.) Numerator = ? Denominator = ?Earnings per share = ?

Answers

Answer:

0.78

Explanation:

The computation of the earning per share is given below;

= $965,000 ÷ 1,239,000

= 0.78

The 1,239,000 comes from

= 1,070,000 × 12 ÷ 12 + 85000 × 8 ÷ 12 + 96,000 × 7 ÷ 12 + (1,070,000 + 56,667) × 5%

= 1,070,000 + 56,667 + 56,000 + 56,333

= 1,239,000

Why must successful managers recognize opportunities and threats in their company external environment? a. If they identify all of the environmental threats, they are guaranteed to acquire large market share. b. If they identify all of the environmental opportunities, they are guaranteed to acquire large market share. c. If they misread the market, they are likely to become rich. d. If they miscalculate the market, opportunities will be lost.

Answers

Answer:

d. If they miscalculate the market, opportunities will be lost.

Explanation:

The external environment is the environment that cannot control by the organization. It can be in form of opportunities and threats which company have to take care off

So in the case when the managers recognize these things in the external environment so this means if they didnot calculate the market properly so the opportunities could be lost due to which they cant capture the market share of the market and the competitor took this advantage,

"Monetary policy can be described either in terms of the money supply or in terms of the interest rate." This statement amounts to the assertion that a. the activities of the Federal Reserve’s bond traders are irrelevant if the Federal Reserve decides to target an interest rate. b. our analysis of monetary policy is not fundamentally altered if the Federal Reserve decides to target an interest rate. c. changes in monetary policy aimed at expanding aggregate demand can be described either as increasing the money supply or as increasing the interest rate. d. rightward shifts of the money-supply curve cannot occur if the Federal Reserve decides to target an interest rate.

Answers

Answer:

b

Explanation:

The monetary policy is not fundamently altered

Short Answer Questions What is a public enterprise? Explain the main features of public enterprises. 1.​

Answers

Answer:

A business organization wholly or party owned by the state and controlled through a public authority is called public Enterprise.

Government ownership and control,main motive of service,autonomy,continuity is one feature of public Enterprise.

JPL Company has two segments - Retail and Commercial. The Retail segment has a contribution margin ratio of 40% and traceable fixed expenses of $70,000. Commercial has traceable fixed expenses of $50,000 and a contribution margin ratio of 55%. The company also has $30,000 of common fixed expenses. The break-even point in dollar sales for the Retail segment equals: Multiple choice question. $212,500 $116,667 $175,000 $250,000

Answers

Answer:

$175,000

Explanation:

Calculation to determine what The break-even point in dollar sales for the Retail segment equals:

Using this formula

Break-even point in dollar sales =Traceable fixed expenses/Contribution margin ratio

Let plug in the formula

Break-even point in dollar sales =$70,000 / 40% Break-even point in dollar sales = $175,000

Therefore The break-even point in dollar sales for the Retail segment equals:$175,000

account question ❓❓❓​

Answers

Answer:

1000

Explanation:

100×100+0-9000

61037t7563

Answer: 90011
17 b+c -=
92

Externalities may prevent competitive markets from operating efficiently because A. consumers may buy goods in the black market. B. market prices may reflect the activities of consumers or producers on others. C. the market may goods that generate externalities on others. D. the market may goods that generate externalities on others. E. producers may sell goods outside of the market.

Answers

Answer:

D. the market may oversupply goods that generate negative externalities on others.

Explanation:

A product can be defined as any physical object or material that typically satisfy and meets the demands, needs or wants of customers. Some examples of a product are mobile phones, television, microphone, microwave oven, bread, pencil, freezer, beverages, soft drinks, radio, table, etc.

In Economics, an externality could either be positive or negative depending on its effect on a third party.

A positive externality arises when the production or consumption of a finished product or service has a significant impact or benefits to a third party that isn't directly involved in the transaction.

On the other hand, a negative externality arises when the production or consumption of a finished product or service has a negative effect and/or impact (cost) on a third party.

This ultimately implies that, an externality is typically an unwarranted cost or benefit by a manufacturer or producer of goods and services that eventually affects a third party.

On a related note, externalities may prevent competitive markets from operating efficiently because the market may oversupply goods that generate negative externalities on others. Some examples of a negative externality is John declining to buy his favorite candy due to an increase in its price, a manufacturing plant that causes noise and pollution to the people living around where it is situated, etc.

Multiple Choice
The majority of environmental assessments result in a finding of no significant impac
False
True

Answers

Answer:

False

The majority of environmental assessments result in a finding of no significant impac is false

"According to new growth​ theory, ______. A. prosperity will last but growth will not last because eventually the real interest rate​ falls, which slows the capital accumulation needed for growth B. growth can persist indefinitely C. growth rates and income levels per person around the globe will converge D. labor productivity grows most quickly in countries with the largest populations"

Answers

Answer:

argues

Explanation:

According to new growth theory option B. growth can persist indefinitely.

What is growth theory?

Growth theory is an economic framework that aims to explain the factors and mechanisms driving economic growth and development over time.

It seeks to understand why some economies experience sustained increases in their output (GDP), while others do not. Growth theory examines the role of various factors such as technological progress, human capital accumulation, capital investment, innovation, and institutions in driving long-term economic growth.

It provides insights into how economies can achieve higher standards of living and improve the well-being of their populations.

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A housecleaning agency was given a key to a customer's house so that the agency could have its employees clean while the homeowner was away. After a maid sent by the agency had finished and left the homeowner's house, she went back because she had forgotten her cigarettes. She neglected to lock the door when she left the second time because she was already late for the next job. When the homeowner returned after a few days away, she discovered that her house had been ransacked and several items of jewelry stolen. The front door was open, and there were no signs of forced entry. If the homeowner brings an action against the agency that employed the maid, what is the likely result

Answers

Answer:

C. She will prevail, because the maid's failure to lock the door created the risk that someone might enter and take the homeowner's valuables.

Explanation:

Based on the argument presented above, the homeowner will likely prevail against the agency because, the maid whibis an employee of the cleaning agency got the home exposed by failing to get the doors locked which might have allowed unwarranted entry into the building. The fact that there was no forced entry through any of the entry channels and the disappearance of valuables gives the homeowner a stronger case to make in this scenario in her case against the agency.

Which of the following can a grocery store change in the long run?
A. the number of shelves, employees, and parking spaces in the parking lot
B. the type of grocery carts, magazine racks, and produce displays
C. the store location, sign on the storefront, and advertising on the media
D. all of the above

Answers

Answer:

I believe all of the above

Explanation:

went with what came to mind if its wrong very sorry.

A grocery store change, in the long run, is all of the above. Thus the correct option is D.

What is the importance of change?

In order to remain in competition an organization needs to work on bringing change and innovation in the process as well as a product that helps them in  achieving higher revenue by following trends and preferences.

If an organization adopts change frequently it shows its flexibility to cope with the demands of the market in order to meet the level of satisfaction of customers.

A grocery store that is planning to grow may eventually affect the number of shelves, staff, and parking places in the lot which helps in better services to their customers.

The design of the fruit displays, magazine racks, and grocery trolleys as well as the store's location, storefront sign, and media advertising can all help to increase sales and draw in more customers.

Therefore, option D is appropriate.

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As new firms enter a competitive price-searcher market, profits of existing firms Group of answer choices rise and product diversity in the market increases. rise and product diversity in the market decreases. decline and product diversity in the market increases. decline and product diversity in the market decreases.

Answers

Answer:

decline and product diversity in the market increases.

Explanation:

Competitive price searcher markets are those that have little barriers of entry for new firms.

Also the new forms are able to engage in transactions that are profitable. That is they easily take a market share.

In this scenario it will result in greater diversity of products as many firms can now produce goods that will be profitable in the market.

Also it will lead to a decrease in profit of existing firms as the new firm gets some of the market share

The probability the economy will boom is 20 percent, while it is 70 percent for a normal economy, and 10 percent for a recession. Stock A will return 18 percent in a boom, 11 percent in a normal economy, and lose 10 percent in a recession. Stock B will return 9 percent in boom, 7 percent in a normal economy, and 4 percent in a recession. Stock C will return 6 percent in a boom, 9 percent in a normal economy, and 13 percent in a recession. What is the expected return on a portfolio which is invested 20 percent in Stock A, 50 percent in Stock B, and 30 percent in Stock C

Answers

Answer:

The answer is 8.25%

The journal entry to record an unfavorable direct materials price variance would include a _____. credit to Direct Materials Price Variance debit to Direct Materials Price Variance credit to Materials None of these choices are correct. 2. Jake Shirt Co. used 5,300 square yards of polyester to produce 3,000 shirts. The standard quantity of material for the 3,000 shirts produced is 6,100 square yards. The standard price for direct materials is $4.00 per square yard. The entry to record the direct materials quantity variance would include a debit to Direct Materials Quantity Variance for $3,200. credit to Direct Materials Quantity Variance for $3,200. debit to Direct Materials Quantity Variance for $12,000. credit to Direct Materials Quantity Variance for $12,000. 3. In preparing an income statement for external users, the balances of the variance accounts that are of small amounts are normally transferred to _____ account. Income Summary Work in Process Cost of Goods Sold Finished Goods Inventory

Answers

Which behavior would best describe someone who has good communication skills with customers ? a) Following up with some customers b) Talking to customers more than listening to them c) Repeating back what the customer says d) Interrupting customers frequently

Prepare a balance sheet in proper format for the company as of December 31st based on the following accounts. Answer questions 8 through 10 based on this balance sheet.

Answers

Answer:

Total liabilities = $25,000

Explanation:

Missing information;

Accounts Payable  = $5,000

Long-term Notes Receivable  = $10,000

Accounts Receivable  = $15,000

Accrued Expenses  = $3,000

Cash  = $10,000

Short-term Notes Payable  = $7,000

Retained Earnings  = $2,000

Accumulated depreciation  = $2,000

Prepaid Expenses  = $3,000

Capital Stock  = $8,000

Supplies  = $7,000

Find:

Total liabilities

Computation:

Total liabilities = Accounts Payable  + Capital Stock  + Short-term Notes Payable + Accrued Expenses + Retained Earnings

Total liabilities = 5000 + 8000 + 7000 + 3000 + 2000

Total liabilities = $25,000

Qué aspectos consideras relevantes dentro de una mega tendencia?

Ayuda porfavorr

Answers

Answer:

En la inversión y en los mercados monetario y crediticio, se suele hablar de tendencias del mercado al mencionar situaciones en las que los compradores o vendedores dentro del mismo siguen un mismo patrón de comportamiento en forma simultánea, dando lugar a una conducta de mercado que se repite.

Así, hay dos tendencias principales de mercado: la bajista y la alcista. El mercado bajista es un término que significa que la tendencia en el mercado es negativa, es decir, el índice desciende. No existe una definición estricta del término, pero normalmente una caída del 20 por ciento desde su nivel más alto durante un período de al menos dos meses se cuenta como un mercado bajista.

Por su parte, el mercado alcista es un término que significa que la tendencia del mercado es positiva.

In at least 150 words, examine the elements that might lead to a worker receiving a higher salary. Be sure to provide details and examples from your lesson. Provide specific detail and in depth discussion of at least two of the element areas requiring higher pay.

Answers

Answer:

As salaries are paid to workers by virtue of the work they perform, a factor that can be decisive for a salary increase is none other than a greater or better performance of the tasks that the worker performs.

On the other hand, wages can also rise if the country's minimum wage is raised, or if there is a situation of inflation that renders workers' wages useless over time.

And also, it may happen that the company that pays the worker's salary is in an exceptional situation that implies a salary improvement as a way of rewarding the performance of its workers.

Portillo's Fast Food restaurants are changing their hot dog vendor. The company has realized that in order to stay competitive, its hot dogs need to be made larger and shorter so that they can fit in a new smaller-sized hot dog bun. Consequently, Portillo's is looking for a vendor that can provide a product according to its new specifications at a price that is less than what it was paying in the past. At what stage in the business buying process is Portillo's

Answers

Answer: supplier search

Explanation:

Portillo's Fast Food restaurants are in the supplier search stage in the business buying process. The supplier search refers to the stage of the business buying process whereby the buyer or the company seeks the best suppliers or vendors.

The company can compile a list of suppliers and make a research about them to know the one that's most appropriate to carry out the job at hand and will be most effective and efficient. This can be infered from the question as Portillo's is looking for a vendor that can provide a product according to its new specifications at a price that is less than what it was paying in the past.

A man who had been living with a woman in an old farmhouse left without warning. In a note, he told her that he was not coming back other than to get his possessions in the spring, and he told her not to touch them. Among his possessions was an extensive set of woodworking tools that he kept in a workshop. During the winter, the cost of heating the farmhouse, which the two had previously shared, became too high for the woman to pay. The manager of the local heating oil company agreed to provide heating oil in exchange for unlimited use of the woodworking tools. The man learned that the tools were being used by the manager of the heating oil company and sued the woman for conversion. No harm was done to the tools. If the woman prevails, what is the most likely reason

Answers

Answer: No harm was done to the tools

Explanation:

Most times people tend to bridge agreement that they had with other person's, especially when they find out the agreement will favour them. The woman had no right to give out the property of her co-tenant to oil company man, while the co-tenant has every right to sue her, but what would be her escape would be that the tools were still intact, while her reason would be that she wanted to maintain their stay there, which the option was a way to do it.

The square root rule _____. Multiple choice question. is a method of estimating the impact of changing the number of locations on the quantity of inventory held. the period of time when an unknown amount of inventory is on hand. specifies the amount of risk of incurring a stockout that a firm is willing to incur. is used to determine the order size for a one-time purchase.

Answers

Answer:

is a method of estimating the impact of changing the number of locations on the quantity of inventory held

Explanation:

The rule of the square root stated that the total safety stock should be determined by multiplying the total inventory from the square root of the no of warehouse locations near in future and then it should be divided by the present number

So it is the method of predicting the effect of number of locations that are changed and are based upon the inventory quantity

Therefore the above statement should be considered

The Rybczynski theorem asserts that in a two-good world, and assuming that product prices stay constant, growth in the endowment of one factor of production, with the other factor unchanged, will lead to:
A. An equal percentage increase in the output of both goods.
B. An increase in the output of the good that uses the growing factor intensively and a decrease in the output of the other good.
C. An increase in the output of both goods but a greater percentage increase in the output of the good that uses the growing factor intensively.
D. An increase in the output of the good that uses the growing factor intensively and no change in the output of the other good.

Answers

Answer:

The answer is "Option b".

Explanation:

The theorem of Rybczynski affirms that certain expansion in the endowments of one factor of manufacturing throughout the two-good economy, with other unchanged factors, which would be the result in increased output for the product that employs the increasing factor as well as a drop throughout the output of the other good.

The expen Accounting changes are often made and the monetary impact is reflected in the financial statements of a company even though, in theory, this may be a violation of the accounting concept of se recognition principle states that expenses should be matched with revenues. Another way of stating the principle is to say that:

Answers

Another way of saying the above is that d. efforts should be matched with accomplishments.

The Matching Principle in Accounting falls under the Accrual basis which means that expenses should be matched to the period they were incurred and revenue should be matched to the period it was received for.

This ensures that the expenses match the revenue. Another way to say this is that efforts should be matched with their accomplishments because the business incurred expenses as efforts in a period in order to be able to get revenue as accomplishments in that same period.

For example, a business paying salespeople $30,000 in a year are doing so because they hope those salespeople will sell more than that $30,000 in that same year.

In conclusion, matching expenses to revenue is like matching efforts to accomplishments.

For more information on the Accrual basis take a look at https://brainly.com/question/13464862.

Profession in medical are not practice for money but for public welfare? Do you support this statement? Explain.

please help me ​

Answers

Answer:

Explanation:

if a Doctor decrease his price than poor people can get a better health care for them it

In the economy of Nocoin bank deposits are ​$ billion. Bank reserves are ​$ ​billion, of which two thirds are deposits with the central bank. Households and firms hold ​$ billion in bank notes. There are no coins. Calculate the monetary base and the quantity of money. Calculate the​ banks' desired reserve ratio and the currency drain ratio​ (as percentages).

Answers

Answer:

a.$90 billion

b. $330 billion

c. 20 percent

d. 10 percent

Explanation:

a Calculation to determine Calculate the monetary base

Using this formula

Monetary base =Reserves +Bank notes​ (dollar bills)

Let plug in the formula

Monetary base=$60 ​billion+ $30 billion

Monetary base= ​$90 billion

Therefore the Monetary base is $90 billion

b . Calculation to determine The quantity of money

Using this formula

Quantity of money =Deposits+Bank notes​ (dollar bills)

Let plug in the formula

Quantity of money=$300 billion+$30 billion

Quantity of money=$330 billion

Therefore Quantity of money is $330 billion

c. Calculation to determine The​ banks' desired reserve ratio

Banks' desired reserve ratio =2/3*$30 billion

Banks' desired reserve ratio=20 percent.

Therefore the Banks' desired reserve ratio is 20 percent

d. Calculation to determine The currency drain ratio

Currency drain ratio =1/3*$30 billion

Currency drain ratio=10 percent

Therefore Currency drain ratio is 10 percent sure

An increase in the wage rate causes Group of answer choices a decrease in the quantity of labor demanded. an increase in labor's marginal productivity. a leftward shift of the firm's labor demand curve. a rightward shift of the firm's labor demand curve.

Answers

Answer:

a decrease in the quantity of labour demanded.

Explanation:

Changes in wage rate leads to changes in the quantity of labour demanded and not a change in demand.

Changes in the quantity of labour demanded leads to a movement along the demand curve for labour and not a shift of the demand curve.

The quantity demanded of labour is inversely related to the wage rate.

An increase in the wage rate increases the cost of employing labour. As a result, the quantity demanded of labour falls

On the other hand, a decrease in the wage rate reduces the cost of employing labour. As a result, the quantity demanded of labour increases

J is issued a Life Insurance policy with a death benefit of $100,000. She pays $600 per year in premium for the first 5 years. The premium then increases to $900 per year in the sixth year, and remains level thereafter. The policy's death benefit also remains at $100,000. Which type of Life Insurance policy is this?

Answers

Answer:

Modified Premium Life

Explanation:

The modified premium life is the whole life insurance policy in which the insured person paid the lower amount of premium as compared with the agreed amount for the given time period. When the given time period is done so the payment of the premium should be increased and it can be high as compared to the normal amount

So this means that the premium should be less for 5 years and it could be increased in the sixth year and so on

Therefore the option d is correct

Geoff's fiancée, Susan, comes to meet his parents for the weekend. On Saturday morning, while using Geoff's mother's hair dryer, the blower short-circuits sending sparks across the guest room. Susan's angora sweater and her hands are covered with tiny burns. Susan's mother is a lawyer and wants her to sue the seller of the dryer for breach of warranty. Can she?

Answers

Answer:

Yes, since she is a guest in the home of the buyer, the warranties would extend to her in most states.

Explanation:

Warranty

This is simply known as a type of duty or statement of other representation that is made by the seller or places by law on goods and services mainly concerning the aspect of quality, characteristics, strength and ownership of goods and services. It is often regarded also as a duty or obligation of the seller to the buyer in terms of title, quality, characteristics, or conditions of goods.

Types of warranty

1. Express Warranty

2. Implied Warranty of Title

3. Implied Warranty of Merchantability

4. Implied Warranty of Fitness for a Particular Purpose

Express Warranty

This is simply refered to as the description of the goods that is made part of the basis of the negotiation does bring about an express warranty that the goods will adhere to the description or defined it as an agreement of fact or promise in relation to the goods that becomes part of reasons of negotiation therefore brings about express warranty that goods will adhere to 3 things mainly:

1. Affirmation of Fact

2. Description

3. Sample or model

Does the education make a difference in salary for a database administrator??

Answers

Answer:

Yes it surely does

Explanation:

please mark me as brainlyest

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Please help with this question what are your duties towards the nation as a student? Consider this equation. tan) 19 17 If 8 is an angle in quadrant II, what is the value of Cos() OA. 19 6 OB. 17 6 O c. V18 6 OD. 17 (b) If 124n= 232 five, find n. Can u please help I got 1 minnnn lefttttt C What is the important of making prority From 1871 until 1921, where did most immigrants coming to the United States comefrom?O Eastern Europe and South AmericaO Southern Europe and AfricaWestern Europe and South AmericaNorthern Europe, China, and Japan Under IFRS, when a lessee recognizes a balance sheet asset and liability for a new lease: the asset and liability are equal. the asset is typically greater than the liability. the liability is typically greater than the asset. Some species form social groups only with members of the same gender. For example, elephants form groups withonly females and their offspring. Once the male offspring reach a certain age, they leave the group and becomesolitary.Which is a benefit of this type of social group structure? Kluber, Inc. had net income of $911,000 based on variable costing. Beginning and ending inventories were 56,100 units and 54,200 units, respectively. Assume the fixed overhead per unit was $1.80 for both the beginning and ending inventory. What is net income under absorption costing?a. $811,730b. $904,160c. $1,010,270d. $907,580e. $911,000 the results of an experiment can be validated through replication true or false Each 5-ml teaspoon of Extra Strength Maalox Plus contains 450 mg of magnesium hydroxide and 500 mg of aluminum hydroxide. How many moles of hydronium ions H3O are neutralized by 1 teaspoon of antacid product? WILL GIVE BRAINLIEST!Identify and write the prepositional phrases in the following sentences.1. Did your car stall on the viaduct? Mine did that once, when I was driving in the rain.2. My sister lives in Chicago. Her house is located across the river.3. A large bouquet of flowers was delivered to my office. I hoped they would be on my desk. However, they were sent down the hall to Ellen's office.4. Our family sat around the camp fire. We told stories about our childhood.5. Dalton hit the ball over the barn. Jason had to run around the building and across the field to get it. The earliest humans, _____, or "handy man," adapted to the environment by making and using tools. Two more recent groups, the _____ in Europe, and their close relatives from Asia, the _____, lived at the same time as the first modern humans. But those groups were less capable of adapting to the environment, so they vanished about 28,000 years ago. The scientific name for modern humans is _____, or "wise people." 3. Solve for m:-5m + 3 - 2m = -7m + 4 + m1m12m =lam = -1m = 1 Cho A=( cn x -4x /1-4x -1) : (1+2x/1-4x -2cn x/ 2cn x -1 -1) Algunos granos de maz al ser calentados revientan y pierden agua de manera explosiva.En promedio se puede considerar que tienen una masa de 125 mg y cuando explotan (palomitasde maz) su masa es de 106 mg. Cuntos granos de maz pira se requerirn para obtener unalibra de palomitas de maz? Sam ordered 2 tons of crushed stone. How many pounds of crushed stone does she have? find the x- and y-intercept of the graph of -9x+7y=27 . State tour based as a whole number of as a improper fraction in simplest form A tank contains 150 liters of fluid in which 20 grams of salt is dissolved. Brine containing 1 gram of salt per liter is then pumped into the tank at a rate of 5 L/min; the well-mixed solution is pumped out at the same rate. Find the number A(t) of grams of salt in the tank at time t.