1 life insurance lesson feb 16
•
2 likes•361 views
This document provides an overview of different types of life insurance policies, including: - Individual policies that are fully portable and transferable, with provisions that can be cancelled by the insurer. - Group policies through an association that are usually not portable or transferable, with provisions that can be changed by the employer. - Term life insurance that provides coverage for a specified period of time, while permanent insurance remains in force for life if premiums are paid. - Factors that determine premium costs such as the insured's age, health status, policy amount, and payment schedule (annual, semi-annual, monthly). - Key policy elements like the face value paid to beneficiaries upon death,
Report
Share
Report
Share
Recommended
1 life insurance lesson feb 17
This document summarizes key aspects of life insurance, including:
- The differences between individual and group life insurance policies in terms of portability, optional benefits, and ability to change provisions.
- Key terms related to life insurance policies such as insured, insurer, policy, face value, beneficiary, and premium.
- The main types of life insurance - term life insurance and permanent insurance.
Lesson 1 Feb 16 2010
This document summarizes key information about individual and group life insurance policies. It outlines that individual policies are fully portable and transferable, while group policies' provisions can be changed by the employer. It also notes that individual policies allow for a larger selection of optional benefits compared to group policies. Various life insurance terms are defined, including insured, insurer, policy, face value, beneficiary, and premium. The document also distinguishes between term life insurance and permanent insurance.
Life Insurance Oct 5
The document provides an overview of different types of life insurance policies, including individual policies which are not portable or transferable between insurers compared to group policies offered through associations or employers which can be changed at policy anniversaries. It defines important life insurance terms such as face value, beneficiary, premium, and cash surrender value. The document also distinguishes between term life insurance which provides coverage for a set period of time and permanent insurance which remains in force for the insured's lifetime.
BrochureTerm2015-3
The document provides information about term life insurance policies issued by American General Life Insurance Company and The United States Life Insurance Company, including that all guarantees and benefits are backed by the claims-paying ability of the issuing insurance company. It then provides an example of how a policyholder could save money over time by "laddering" smaller term life insurance policies that each address a specific coverage need rather than purchasing one larger policy. The document promotes the flexibility and potential cost savings of the insurance company's AG Select-a-Term life insurance product.
Majar presentation
This document summarizes the insurance and business venture services provided by MAJAR Insurance Agency & Business Ventures, Inc. It outlines several insurance plans, including a Personal Protection Plan, Parental Care Protection Plan, and Ultima Damayan Program. The plans provide life insurance, accident insurance, hospital benefits, and funeral assistance. Premiums can be paid monthly, quarterly, semi-annually, or annually. The document provides details on coverage amounts, premium costs, requirements for claims, and compares costs to a competitor.
Life Insurance Basics 2
The document discusses the different types of individual life insurance, including term life insurance (which provides protection for a specified period), whole life insurance (which provides protection for one's whole life and has a savings component), universal life insurance (which separates the insurance and investment elements), and variable life insurance (where the cash value and death benefits may fluctuate based on investment performance). It provides examples of how death benefits and cash values change over time for different types and options.
Insurance Basics
The document discusses key principles of insurance that individuals should understand when developing an effective insurance plan. It outlines six principles: 1) Know your goals and needs, 2) Understand your budget and affordability, 3) Fully understand insurance products and costs, 4) Only insure against high-cost, high-severity losses, 5) Work with high-quality agents and companies, and 6) Review your insurance needs annually. The document emphasizes understanding principles over specific products, which can change over time, in order to wisely manage insurance needs.
E & O Certificate 2012
This certificate of insurance summarizes the key details of Eric Schumann's errors and omissions insurance policy with Scottsdale Insurance Company. The policy provides $1 million in coverage per claim and $1 million in aggregate coverage for the period of October 1, 2011 to October 1, 2012. The policy covers on a claims-made basis and defense costs reduce the liability limit. The certificate holder should review the full policy for all terms and conditions of coverage.
Recommended
1 life insurance lesson feb 17
This document summarizes key aspects of life insurance, including:
- The differences between individual and group life insurance policies in terms of portability, optional benefits, and ability to change provisions.
- Key terms related to life insurance policies such as insured, insurer, policy, face value, beneficiary, and premium.
- The main types of life insurance - term life insurance and permanent insurance.
Lesson 1 Feb 16 2010
This document summarizes key information about individual and group life insurance policies. It outlines that individual policies are fully portable and transferable, while group policies' provisions can be changed by the employer. It also notes that individual policies allow for a larger selection of optional benefits compared to group policies. Various life insurance terms are defined, including insured, insurer, policy, face value, beneficiary, and premium. The document also distinguishes between term life insurance and permanent insurance.
Life Insurance Oct 5
The document provides an overview of different types of life insurance policies, including individual policies which are not portable or transferable between insurers compared to group policies offered through associations or employers which can be changed at policy anniversaries. It defines important life insurance terms such as face value, beneficiary, premium, and cash surrender value. The document also distinguishes between term life insurance which provides coverage for a set period of time and permanent insurance which remains in force for the insured's lifetime.
BrochureTerm2015-3
The document provides information about term life insurance policies issued by American General Life Insurance Company and The United States Life Insurance Company, including that all guarantees and benefits are backed by the claims-paying ability of the issuing insurance company. It then provides an example of how a policyholder could save money over time by "laddering" smaller term life insurance policies that each address a specific coverage need rather than purchasing one larger policy. The document promotes the flexibility and potential cost savings of the insurance company's AG Select-a-Term life insurance product.
Majar presentation
This document summarizes the insurance and business venture services provided by MAJAR Insurance Agency & Business Ventures, Inc. It outlines several insurance plans, including a Personal Protection Plan, Parental Care Protection Plan, and Ultima Damayan Program. The plans provide life insurance, accident insurance, hospital benefits, and funeral assistance. Premiums can be paid monthly, quarterly, semi-annually, or annually. The document provides details on coverage amounts, premium costs, requirements for claims, and compares costs to a competitor.
Life Insurance Basics 2
The document discusses the different types of individual life insurance, including term life insurance (which provides protection for a specified period), whole life insurance (which provides protection for one's whole life and has a savings component), universal life insurance (which separates the insurance and investment elements), and variable life insurance (where the cash value and death benefits may fluctuate based on investment performance). It provides examples of how death benefits and cash values change over time for different types and options.
Insurance Basics
The document discusses key principles of insurance that individuals should understand when developing an effective insurance plan. It outlines six principles: 1) Know your goals and needs, 2) Understand your budget and affordability, 3) Fully understand insurance products and costs, 4) Only insure against high-cost, high-severity losses, 5) Work with high-quality agents and companies, and 6) Review your insurance needs annually. The document emphasizes understanding principles over specific products, which can change over time, in order to wisely manage insurance needs.
E & O Certificate 2012
This certificate of insurance summarizes the key details of Eric Schumann's errors and omissions insurance policy with Scottsdale Insurance Company. The policy provides $1 million in coverage per claim and $1 million in aggregate coverage for the period of October 1, 2011 to October 1, 2012. The policy covers on a claims-made basis and defense costs reduce the liability limit. The certificate holder should review the full policy for all terms and conditions of coverage.
Irm
This document summarizes several endowment policies offered by LIC including Jeevan Anand, Endowment With Profit-14, Limited Payment Endowment with Profits, Jeevan Mitra, Jeevan Saathi, and Marriage Endowment & Educational Annuity. The policies provide a lump sum payment at maturity to cover future expenses like marriage or education, or a death benefit. Key features include moderate premiums, high bonuses, savings orientation, and disability or accident benefits in some plans.
Endowment Policy
This document outlines an endowment policy, which is a type of life insurance that pays out a lump sum amount either upon the death of the policyholder or at the end of a specified term. It provides both a living benefit through periodic payouts as well as life insurance coverage. There are several types of endowment policies that vary based on factors like whether the payout is made to one or multiple lives insured, or whether the payout amount is the standard sum assured or a double amount. While endowment policies have benefits like long-term investment and dual protection, they also have drawbacks such as higher premiums and lower surrender values compared to term insurance plans.
Should you go for Return of Premium life insurance?
Return of premium life insurance is a type of term life insurance coverage that returns your premium payments if you are alive at the end of your coverage term. Again, ROP life insurance works exactly as the name indicates: as long as the insured outlives the term period, the policy returns most or all of your premiums paid at the end of the term length — and you don’t even have to pay income tax on your windfall. This type of coverage can be either a stand-alone policy or as an optional life insurance rider on a standard term life insurance policy.
But is it worth it? Let us see in this presentation.
What Is Term Life Insurance
Term life insurance provides death benefits for a specified period of time in exchange for regular premium payments. If the policyholder passes away during the term of the policy, beneficiaries receive the death benefit. However, if the policyholder outlives the term, they receive nothing. Term life insurance is appropriate for those who need significant life insurance coverage but have limited budgets, and for those who want to secure insurability for the future by converting a term policy to permanent coverage later. Term life policies are often the most cost effective type of life insurance.
Endowment Plans
This document describes several endowment insurance plans offered by an insurance provider. The plans include Jeevan Anand which provides life insurance coverage until death along with a sum assured and bonuses at the end of the premium term. Limited Payment Endowment with Profit allows limiting premium payments to a single payment or term shorter than the policy term. Jeevan Mitra provides a death benefit of double the basic sum assured along with accrued bonuses.
Life Insurance Basics 1
This document defines key terms related to life insurance. It explains that life insurance is a contract where one party agrees to compensate another for a specified loss, such as death. The beneficiary is the person named to receive life insurance proceeds. Premiums are the amounts paid for an insurance contract. The document also outlines the main types of life insurance companies, including stock companies that pay dividends to shareholders, mutual companies that return dividends to policyholders, and fraternal companies that receive tax benefits for charitable affiliations.
Different types of Life insurance products with real.pptx
The document discusses different types of life insurance products available in India. It describes term life insurance, whole life insurance, endowment policies, money back policies, group life insurance, retirement insurance plans, ULIP insurance, and child insurance. For each type, it provides a brief definition and examples of insurance plans that offer that type of coverage and potential returns. The conclusion emphasizes doing research to find an insurance plan that suits one's individual needs and life goals.
The details on term life assurance coverage
Term life insurance provides temporary coverage for a set period of time, usually up to age 65. It is less expensive than permanent life insurance because it does not build up cash value over time. There are different types of term life insurance, including level term which has fixed premiums and a level death benefit, decreasing term where the death benefit decreases each year in line with a debt obligation, and increasing term where the death benefit increases over the coverage period. Term life insurance allows for conversion to a permanent policy without needing to provide health details.
Mortgage Protection Presentation062006
American Classic Agency (ACA) is an insurance agency that specializes in mortgage protection plans. Their plans offer life insurance that can be used to pay off a mortgage in the event of the homeowner's death from any cause. The plans are customizable and portable, allow for a choice of beneficiary, and provide additional benefits like disability and critical illness coverage. ACA works with leading insurance companies and has thousands of agents across the U.S. to provide mortgage protection and other insurance products to families and businesses.
Lesson in life insurance
A short introduction to teach you how to choose the life insurance plan which benefits your needs the best.
VA Loans Graph
There were roughly 180,000 VA home loans issued last year to eligible US military veterans. VA loans offer no money down mortgage options and are guaranteed by the US government, providing benefits like no private mortgage insurance or PMI. Key details include that over 90% of VA loans in 2009 did not require a down payment, with the maximum loan amount being $417,000 or potentially up to $1,094,625 in certain high-cost areas.
Life Insurance
This document provides an overview of traditional and indexed life insurance. It discusses key questions people have when purchasing life insurance, such as how much is needed and what type to buy. It defines term and cash value life insurance, and describes various term and cash value policies. It also summarizes how life insurance is taxed, including premiums, dividends, loans/withdrawals, and modified endowment contracts. The document aims to help readers understand their options so they can select the best life insurance for their needs and objectives.
24911841 max-newyork-life
This document provides an overview of the life insurance industry and Max New York Life Insurance Company. It discusses the different types of life insurance policies including term life, permanent life, whole life, universal life, and variable life. It then profiles Max New York Life, describing it as a joint venture between an Indian and American company. It outlines Max New York Life's distribution strategy, products, achievements including ISO certification and MDRT membership, vision, mission and focus on social responsibility through donations to organizations helping children.
Basics of Life Insurance
Understanding the basics of life insurance is essential when researching and ultimately choosing which life insurance is right for you and your family.
Whole Story Life
Why hole life insurance is more than just for your loved ones, create wealth, supplement your retirement income, emergency funds, psssible funding for college education, learn more about all the possibilities of whole life insurance.
INSURING YOUR MORTGAGE TO SUIT YOU
Protecting your mortgage with a personal insurance plan offers more guarantees, flexibility and choice, often at a lower cost than lender-provided mortgage insurance. With a personal plan, you own the policy and can designate the beneficiary. Coverage continues even after the mortgage is paid off and pays out the total value of the insurance purchased, which remains stable over the life of the plan. Premiums are also guaranteed not to change, and the plan can be moved to new mortgages. In contrast, with lender insurance the lender owns and benefits from the policy, coverage expires when the mortgage is paid, and payout is limited to the remaining mortgage balance. The lender can also change the premiums or cancel the
LIC - New Money Back - 20 years
a plan for education funds, marriage funds or any future plans to fulfill from LIC with income at regular period prior completion of policy term.
Money back plan
Money Back Plan is a type of endowment life insurance policy that provides periodic survival benefits to the policyholder. Some key points:
- Survival benefits are paid as a percentage of the sum assured after fixed intervals, such as every 5 years.
- The full death benefit of the sum assured is paid out if the policyholder passes away, regardless of any survival benefits already received.
- Money Back Plans offer liquidity to the policyholder and can be used for needs like children's education over the term of the policy.
2 Term Assurance
This document provides information on term assurance policies, including:
1) Term assurance policies offer life insurance protection for a fixed term, with the sum assured payable only upon death during the term. Policyholders can choose the length of coverage and premiums are based on age, health, sum assured, and term length.
2) Types of term assurance policies include level term (fixed payout and premium), decreasing term (reducing payout and premium), increasing term (increasing payout), and convertible term (option to convert to another policy type).
3) The document also mentions family income benefit policies, which provide dependents with a regular income instead of a lump sum, and notes that as part
Lesson 1 Feb 16 2010
This document summarizes key information about individual and group life insurance policies. It outlines that individual policies are fully portable and transferable, while group policies' provisions can be changed by the employer. It also notes that individual policies allow for a larger selection of optional benefits compared to group policies. Various life insurance terms are defined, including insured, insurer, policy, face value, beneficiary, and premium. The document also distinguishes between term life insurance and permanent life insurance.
Feb252009
This document provides information about different types of life insurance policies, including:
- Term life insurance which provides coverage for a set period of time and has lower premiums but no cash value buildup.
- Permanent insurance such as whole life which provides lifelong coverage and allows cash value buildup through higher premiums.
It also gives examples of calculating premiums and cash surrender values for various term life, whole life, and cancelled policies.
MKT 3063 Personal SellingDr. Thomas F. CannonCase Study #2.docx
MKT 3063 Personal Selling
Dr. Thomas F. Cannon
Case Study #2 (5.0)
“What Makes Him So Successful?”
____________________________________________________
Dan Clover met with several customers during his day of selling. Your answers must demonstrate your understanding of why Dan acted in the manner he did during the rapport stage of selling.
Read the case study carefully for clues and support each of your answers with specific information or logical assumptions based on information.
1. Customers: (1.25) Center-city drug store pharmacy operated by afather and son:
· Why did Dan take off his suit jacket and rolled up his sleeves? (0.625)
· What is the significance of a salesperson (such as Dan or Wanda) noticing the wall hangings and coffee table magazines? (0.625)
2. Customer: (1.25) Dr. Stanley Hafer who works at a suburban hospital:
· In sales term/jargon, Nurse Ruth Blair is considered what? (0.625)
· What role, if any, does Nurse Ruth Blair have in the buying decision? (0.625)
3. Customer: (1.25) Dr. Beverly Pruett who operates a private medical clinic:
· Why did Dan wait for Dr. Pruett to sit before seating himself? (0.625)
· Dan did not engage in rapport building based on his assumption of Dr. Pruett’s communication style which he most likely thinks is what? (0.625)
4. Rapport Stage: (1.25) Effective rapport building creates a level of comfort between a
prospect/customer and the sales person. Complete the following sentence about the value of
rapport building.
As in any relationship, comfort builds ______ which will lead to a long-term _________________.
Submission Format:
· One cover sheet (See Blackboard)
· Arial font, 11 or 12 point
· Print this answer sheet front/back if necessary and if possible
· Staple all pages together
FIN 3660
Assignment Chapters 5-6 Name:
1. Briefly discuss the three most important characteristics of term life insurance
a.
b.
c.
2. Please define each of the following and provide one scenario in which each plan or type of coverage would be appropriate.
(a) Estate plan:
(b) A key person insurance plan:
(c) Credit life insurance:
(d) A business continuation insurance plan:
(e) A buy-sell agreement:
3. Please describe the key features of each of the following types of policies:
(a) An endowment insurance policy:
(b) Variable life policy:
(c) Universal life policy:
4. Describe the differences between a last survivor life insurance policy and a joint whole life insurance policy.
5. Rebecca Dee is the policy owner-insured of a life insurance policy that names her 27-year-old son, Eli, as the beneficiary. If Ms. Dee dies while the policy is in force and while Eli is still alive, then the death benefit of the policy
a. Will be payable to whom? _______
b. Will or will not (mark the correct answer) be taxable income to the recipient.
On the remaining questions, please indicate the CORRECT statement and explain why the other three statements are not correct:
6. Emmanuel L ...
More Related Content
What's hot
Irm
This document summarizes several endowment policies offered by LIC including Jeevan Anand, Endowment With Profit-14, Limited Payment Endowment with Profits, Jeevan Mitra, Jeevan Saathi, and Marriage Endowment & Educational Annuity. The policies provide a lump sum payment at maturity to cover future expenses like marriage or education, or a death benefit. Key features include moderate premiums, high bonuses, savings orientation, and disability or accident benefits in some plans.
Endowment Policy
This document outlines an endowment policy, which is a type of life insurance that pays out a lump sum amount either upon the death of the policyholder or at the end of a specified term. It provides both a living benefit through periodic payouts as well as life insurance coverage. There are several types of endowment policies that vary based on factors like whether the payout is made to one or multiple lives insured, or whether the payout amount is the standard sum assured or a double amount. While endowment policies have benefits like long-term investment and dual protection, they also have drawbacks such as higher premiums and lower surrender values compared to term insurance plans.
Should you go for Return of Premium life insurance?
Return of premium life insurance is a type of term life insurance coverage that returns your premium payments if you are alive at the end of your coverage term. Again, ROP life insurance works exactly as the name indicates: as long as the insured outlives the term period, the policy returns most or all of your premiums paid at the end of the term length — and you don’t even have to pay income tax on your windfall. This type of coverage can be either a stand-alone policy or as an optional life insurance rider on a standard term life insurance policy.
But is it worth it? Let us see in this presentation.
What Is Term Life Insurance
Term life insurance provides death benefits for a specified period of time in exchange for regular premium payments. If the policyholder passes away during the term of the policy, beneficiaries receive the death benefit. However, if the policyholder outlives the term, they receive nothing. Term life insurance is appropriate for those who need significant life insurance coverage but have limited budgets, and for those who want to secure insurability for the future by converting a term policy to permanent coverage later. Term life policies are often the most cost effective type of life insurance.
Endowment Plans
This document describes several endowment insurance plans offered by an insurance provider. The plans include Jeevan Anand which provides life insurance coverage until death along with a sum assured and bonuses at the end of the premium term. Limited Payment Endowment with Profit allows limiting premium payments to a single payment or term shorter than the policy term. Jeevan Mitra provides a death benefit of double the basic sum assured along with accrued bonuses.
Life Insurance Basics 1
This document defines key terms related to life insurance. It explains that life insurance is a contract where one party agrees to compensate another for a specified loss, such as death. The beneficiary is the person named to receive life insurance proceeds. Premiums are the amounts paid for an insurance contract. The document also outlines the main types of life insurance companies, including stock companies that pay dividends to shareholders, mutual companies that return dividends to policyholders, and fraternal companies that receive tax benefits for charitable affiliations.
Different types of Life insurance products with real.pptx
The document discusses different types of life insurance products available in India. It describes term life insurance, whole life insurance, endowment policies, money back policies, group life insurance, retirement insurance plans, ULIP insurance, and child insurance. For each type, it provides a brief definition and examples of insurance plans that offer that type of coverage and potential returns. The conclusion emphasizes doing research to find an insurance plan that suits one's individual needs and life goals.
The details on term life assurance coverage
Term life insurance provides temporary coverage for a set period of time, usually up to age 65. It is less expensive than permanent life insurance because it does not build up cash value over time. There are different types of term life insurance, including level term which has fixed premiums and a level death benefit, decreasing term where the death benefit decreases each year in line with a debt obligation, and increasing term where the death benefit increases over the coverage period. Term life insurance allows for conversion to a permanent policy without needing to provide health details.
Mortgage Protection Presentation062006
American Classic Agency (ACA) is an insurance agency that specializes in mortgage protection plans. Their plans offer life insurance that can be used to pay off a mortgage in the event of the homeowner's death from any cause. The plans are customizable and portable, allow for a choice of beneficiary, and provide additional benefits like disability and critical illness coverage. ACA works with leading insurance companies and has thousands of agents across the U.S. to provide mortgage protection and other insurance products to families and businesses.
Lesson in life insurance
A short introduction to teach you how to choose the life insurance plan which benefits your needs the best.
VA Loans Graph
There were roughly 180,000 VA home loans issued last year to eligible US military veterans. VA loans offer no money down mortgage options and are guaranteed by the US government, providing benefits like no private mortgage insurance or PMI. Key details include that over 90% of VA loans in 2009 did not require a down payment, with the maximum loan amount being $417,000 or potentially up to $1,094,625 in certain high-cost areas.
Life Insurance
This document provides an overview of traditional and indexed life insurance. It discusses key questions people have when purchasing life insurance, such as how much is needed and what type to buy. It defines term and cash value life insurance, and describes various term and cash value policies. It also summarizes how life insurance is taxed, including premiums, dividends, loans/withdrawals, and modified endowment contracts. The document aims to help readers understand their options so they can select the best life insurance for their needs and objectives.
24911841 max-newyork-life
This document provides an overview of the life insurance industry and Max New York Life Insurance Company. It discusses the different types of life insurance policies including term life, permanent life, whole life, universal life, and variable life. It then profiles Max New York Life, describing it as a joint venture between an Indian and American company. It outlines Max New York Life's distribution strategy, products, achievements including ISO certification and MDRT membership, vision, mission and focus on social responsibility through donations to organizations helping children.
Basics of Life Insurance
Understanding the basics of life insurance is essential when researching and ultimately choosing which life insurance is right for you and your family.
Whole Story Life
Why hole life insurance is more than just for your loved ones, create wealth, supplement your retirement income, emergency funds, psssible funding for college education, learn more about all the possibilities of whole life insurance.
INSURING YOUR MORTGAGE TO SUIT YOU
Protecting your mortgage with a personal insurance plan offers more guarantees, flexibility and choice, often at a lower cost than lender-provided mortgage insurance. With a personal plan, you own the policy and can designate the beneficiary. Coverage continues even after the mortgage is paid off and pays out the total value of the insurance purchased, which remains stable over the life of the plan. Premiums are also guaranteed not to change, and the plan can be moved to new mortgages. In contrast, with lender insurance the lender owns and benefits from the policy, coverage expires when the mortgage is paid, and payout is limited to the remaining mortgage balance. The lender can also change the premiums or cancel the
LIC - New Money Back - 20 years
a plan for education funds, marriage funds or any future plans to fulfill from LIC with income at regular period prior completion of policy term.
Money back plan
Money Back Plan is a type of endowment life insurance policy that provides periodic survival benefits to the policyholder. Some key points:
- Survival benefits are paid as a percentage of the sum assured after fixed intervals, such as every 5 years.
- The full death benefit of the sum assured is paid out if the policyholder passes away, regardless of any survival benefits already received.
- Money Back Plans offer liquidity to the policyholder and can be used for needs like children's education over the term of the policy.
2 Term Assurance
This document provides information on term assurance policies, including:
1) Term assurance policies offer life insurance protection for a fixed term, with the sum assured payable only upon death during the term. Policyholders can choose the length of coverage and premiums are based on age, health, sum assured, and term length.
2) Types of term assurance policies include level term (fixed payout and premium), decreasing term (reducing payout and premium), increasing term (increasing payout), and convertible term (option to convert to another policy type).
3) The document also mentions family income benefit policies, which provide dependents with a regular income instead of a lump sum, and notes that as part
What's hot (19)
Should you go for Return of Premium life insurance?
Should you go for Return of Premium life insurance?
Different types of Life insurance products with real.pptx
Different types of Life insurance products with real.pptx
Similar to 1 life insurance lesson feb 16
Lesson 1 Feb 16 2010
This document summarizes key information about individual and group life insurance policies. It outlines that individual policies are fully portable and transferable, while group policies' provisions can be changed by the employer. It also notes that individual policies allow for a larger selection of optional benefits compared to group policies. Various life insurance terms are defined, including insured, insurer, policy, face value, beneficiary, and premium. The document also distinguishes between term life insurance and permanent life insurance.
Feb252009
This document provides information about different types of life insurance policies, including:
- Term life insurance which provides coverage for a set period of time and has lower premiums but no cash value buildup.
- Permanent insurance such as whole life which provides lifelong coverage and allows cash value buildup through higher premiums.
It also gives examples of calculating premiums and cash surrender values for various term life, whole life, and cancelled policies.
MKT 3063 Personal SellingDr. Thomas F. CannonCase Study #2.docx
MKT 3063 Personal Selling
Dr. Thomas F. Cannon
Case Study #2 (5.0)
“What Makes Him So Successful?”
____________________________________________________
Dan Clover met with several customers during his day of selling. Your answers must demonstrate your understanding of why Dan acted in the manner he did during the rapport stage of selling.
Read the case study carefully for clues and support each of your answers with specific information or logical assumptions based on information.
1. Customers: (1.25) Center-city drug store pharmacy operated by afather and son:
· Why did Dan take off his suit jacket and rolled up his sleeves? (0.625)
· What is the significance of a salesperson (such as Dan or Wanda) noticing the wall hangings and coffee table magazines? (0.625)
2. Customer: (1.25) Dr. Stanley Hafer who works at a suburban hospital:
· In sales term/jargon, Nurse Ruth Blair is considered what? (0.625)
· What role, if any, does Nurse Ruth Blair have in the buying decision? (0.625)
3. Customer: (1.25) Dr. Beverly Pruett who operates a private medical clinic:
· Why did Dan wait for Dr. Pruett to sit before seating himself? (0.625)
· Dan did not engage in rapport building based on his assumption of Dr. Pruett’s communication style which he most likely thinks is what? (0.625)
4. Rapport Stage: (1.25) Effective rapport building creates a level of comfort between a
prospect/customer and the sales person. Complete the following sentence about the value of
rapport building.
As in any relationship, comfort builds ______ which will lead to a long-term _________________.
Submission Format:
· One cover sheet (See Blackboard)
· Arial font, 11 or 12 point
· Print this answer sheet front/back if necessary and if possible
· Staple all pages together
FIN 3660
Assignment Chapters 5-6 Name:
1. Briefly discuss the three most important characteristics of term life insurance
a.
b.
c.
2. Please define each of the following and provide one scenario in which each plan or type of coverage would be appropriate.
(a) Estate plan:
(b) A key person insurance plan:
(c) Credit life insurance:
(d) A business continuation insurance plan:
(e) A buy-sell agreement:
3. Please describe the key features of each of the following types of policies:
(a) An endowment insurance policy:
(b) Variable life policy:
(c) Universal life policy:
4. Describe the differences between a last survivor life insurance policy and a joint whole life insurance policy.
5. Rebecca Dee is the policy owner-insured of a life insurance policy that names her 27-year-old son, Eli, as the beneficiary. If Ms. Dee dies while the policy is in force and while Eli is still alive, then the death benefit of the policy
a. Will be payable to whom? _______
b. Will or will not (mark the correct answer) be taxable income to the recipient.
On the remaining questions, please indicate the CORRECT statement and explain why the other three statements are not correct:
6. Emmanuel L ...
Term Life InsuranceLife and Health Insurance FIN 3660Chapte.docx
Term Life Insurance
Life and Health Insurance FIN 3660
Chapter 5
Outline
Needs Met by Life Insurance
Personal Needs
Business Needs
Term Life Insurance
Characteristics of Term Life Insurance Products
Plans of Term Life Insurance Coverage
Features of Term Life Insurance Policies
2
Needs Met by Life Insurance
Personal Needs
Most common personal needs that life insurance can meet are:
Dependents’ support
Estate planning
Paying debts and final expenses
3
Dependents Support
Life insurance can provide funds to support the family members of a deceased loved one until they obtain new methods of support or until they adjust to living on a lower income.
The proceeds can also be used to supplement the family’s income.
In many jurisdictions, the beneficiary of a lump sum of money after the death of a loved one is usually not taxed on the money they receive.
4
Estate Planning
Estate- the accumulated assets an individual owns when he/she dies.
Will- a legal document that directs how the individual’s property is to be distributed after his death.
The executor is the person who is a personal representative of the person who has died with a valid will. (administrator if they person died without a valid will)
Estate Plan- considers the amount of assets and debts that he/she is likely to have when he/she dies and how best to preserve those assets so that they can be distributed as she desires.
Life insurance is an important part of the estate plan.
Can leave home to one child and life insurance policy to the other.
5
Debts and Final Expenses
A person’s death generally does not extinguish his/her debts.
In some cases the deceased estate isn’t large enough to pay his/her debts and final expenses.
If a life insurance policy is included in the estate plan, the proceeds can help pay those remaining debts.
6
Business needs
Two reasons for a business to purchase life insurance:
To provide funds to ensure that the business continues in the event of the death of an owner, partner, or other key person.
To provide benefits for its employees.
7
Business Continuation Insurance
An insurance plan designed to enable a business owner(s) to provide for the business’ continued operation if the owner or a key person dies.
Key Person Life Insurance- individual life insurance that a business purchases on the life of a key person.
The business owner is the beneficiary of the insurance policy if the person dies.
Buy-Sell Agreement- an agreement in which one party agrees to purchase the financial interest that a second party has in a business following the second party’s death and the second party agrees to direct his estate to sell his interest in the business to the purchasing party.
8
Characteristics of Term Life Insurance Products
Provides a death benefit only is the insured dies during the period specified in the policy.
The length of the policy term varies considerably from one policy to another.
Another common type of term life insurance cover the insured un ...
13033333-PPPT.pptx
THE HIDDEN POWER OF
UNIVERSAL LAWS
Contents
Introduction 2
Chapter - 1 3
The Law of Attraction 3
Chapter 2 4
Your Thoughts Control You 4
Chapter 3 5
Visualize Your Thoughts 5
Chapter 4 5
The Law of Vibration 5
Chapter 5 5
Chapter 6 5
Understanding Karma 5
Chapter 7 6
Chapter 8 7
The Law of Love 7
Chapter 9 7
The Law of Allowing 7
Chapter 10 7
Summary 7
Introduction
In life, there are universal laws that govern everything we do. These laws are so perfect that if you were to align yourself with them, you could have so much prosperity that it would be coming out of your ears. This is because God created the universe in the image and likeness of him. It is failure to follow the universal laws that causes one to fail. The laws that were created consisted of the following: ·
Law of Gratitude: The Law of Gratitude states that you must show gratitude for what you have. By having gratitude, you speed your growth and success faster than you normally would. This is because if you appreciate the things you have, even if they are small things, you are open to receiving more.
Law of Attraction: The Law of Attraction states that if you focus your attention on something long enough you will get it. It all starts in the mind. You think of something and when you think of it, you manifest that in your life. This could be a mental picture of a check or actual cash, but you think about it with an image.
Law of Karma: the Law of Karma states that if you go out and do something bad, it will come back to you with something bad. If you do well for others, good things happen to you. The principle here is to know you can create good or bad through your actions. There will always be an effect no matter what.
Law of Love: the Law of Love states that love is more than emotion or feeling; it is energy. It has substance and can be felt. Love is also considered acceptance of oneself or others. This means that no matter what you do in life if you do not approach or leave the situation out of love, it won't work.
Law of Allowing: The Law of Allowing states that for us to get what we want, we must be receptive to it. We can't merely say to the Universe that we want something if we don't allow ourselves to receive it. This will defeat our purpose for wanting it in the first place.
Law of Vibration: the Law of Vibration states that if you wish on something and use your thoughts to visualize it, you are halfway there to get it. To complete the cycle you must use the Law of Vibration to feel part of what you want. Do this and you'll have anything you want in life.
For everything to function properly there has to be structure. Without structure, our world, or universe, would be in utter chaos. Successful people understand universal laws and apply them daily. They may not acknowledge that to you, but they do follow the laws. There is a higher power and this higher power controls the universe and what we get out of it. People who know this, but wish to direct their own lives, follow
Chapter1.pptx CỦA MÔN LIFE CÔ NGUYỆT ÍNSURANCE
The document discusses various topics related to life insurance including types of policies, provisions, underwriting, and financial investment. It defines life insurance, discusses individual and group policies as well as key components like premiums and benefits. Statistics are also provided on the global and Vietnamese life insurance markets and leading insurance companies worldwide.
Principle of insurance ss 2 2 nd term
There are four main parties that make up the insurance market: buyers, sellers, intermediaries, and regulators. The buyers are individuals, businesses, organizations, and governments seeking insurance coverage. The sellers are insurance companies and reinsurance companies that provide insurance policies. Intermediaries such as agents and brokers facilitate business between buyers and sellers. Regulators like the Nigeria Insurance Association and Nigerian Council of Registered Insurance Brokers oversee the industry.
Questions for Review and Discussion 1. What is risk management an.pdf
Questions for Review and Discussion 1. What is risk management and what is the purpose of
insurance? 2. What are the contractual elements of an insurance agreement? 3. Why is insurable
interest so important? 4. What are the differences among types of life insurance? 5. How does
insurable interest differ with life insurance and property insurance? 6. What is a coinsurance
clause: 7. What coverage is given by fire, marine, homeowner\'s, renter\'s, and flood insurance?
8. What differences exist among the of automobile insurance? 9. What benefits are included in
health insurance policies? What are the steps in applying for, obtaining, and maintaining an
insurance policy?
Solution
1)Risk Management : Risk management involves the practice of understanding potential risks of
future, analyzing in details and taking accurate steps to minimise it.
Purpose of insurance :
Damage to, or the loss of, physical assets
Illness,Sudden Death of key members
Compensation claims against the business
Business interruption caused by external events such as terrorism
Volatility and cash flow pressures following an incident
2) Conractual Eleements of Insurance agreement :
Offer? ,Acceptance , Intention of legal consequences ,Consideration
3)Insurable Interset -
The insurable interest requires at the time the policy purchasing People can sell life insurance
policy in a \"life settlement\" transaction. Life settlement means the sale, assignment, transfer, or
bequest of the death benefit or ownership of a life insurance policy by the owner of the policy.
Owner of the policy collects cash and the life settlement company becomes the new owner and
beneficiary of the policy and is responsible for the payment of all future premiums. Upon the
death of the insured, the death benefit is paid to the life settlement company.
4) Differences among type of Life insurance :
Term insurance : the most basic form of life insurance
Endowment plans:maturity benefit
Unit linked insurance plans (ULIP): Pay out the sum assured on death/maturity
Whole life policy:Policy covers a policyholder over his life
Money back policy:periodic payments over the policy term
5) Insurable interest from Life insurance & proprety insurnace :
Insurable interest exists when an insured person derives a financial or other kind of benefit from
the continuous existence of the insured object
Life Insurnace Insurable interest refers to the right of property to be insured. It may also mean
the interest of a beneficiary of a life insurance policy to prove need for the proceeds.
Property insurance : People have an insurable interest in their property up to the value of the
property, but not more.
6) CoInsurance Clause :
Coinsurance in insurance, is the splitting or spreading of risk among multiple parties.
A co-sharing agreement between the insured and the insurer under a health insurance policy
which provides that the insured will cover a set percentage of the covered costs after the
deductible has been paid. Similar to.
Final hard copy
The document discusses various topics related to financial markets and meetings. It provides an agenda for a group presentation that includes discussing the structure of financial markets, financial intermediaries, regulators, services, and markets. It also covers the topics of notices, agendas, and minutes for meetings. The document contains detailed information on various types of insurance policies like whole life, term, and money back policies. It categorizes insurance into long-term life insurance and general non-life insurance.
Life insurence ppt
The document provides an overview of the history and types of life insurance. It discusses that life insurance originated in India from the Vedas. The first Indian life assurance society was formed in 1870. There are various types of life insurance policies including term life insurance, permanent/whole life insurance, and unit linked insurance plans. The document also outlines the claims process, exclusions in accident benefits, top insurance companies in India, and current news in the life insurance sector.
Types of Life Insurance Policies Available in India
Life Insurance policy- Different types of life insurance Plans explained like Risk, Benefits of Term Plan, Whole life Plan, Endowment Plan, ULIP Plans, Money Back Policy, Child Policy & Annuity Plan available in India.
Unit 3-business services
The document provides information on various business services in India including top banks, insurance companies, and logistics companies. It discusses the meaning and functions of banking, insurance, and different types of insurance policies like life and fire insurance. It explains the key principles of insurance including insurable interest, utmost good faith, indemnity, and subrogation. It also outlines the advantages and costs of insurance as well as the characteristics of marine and fire insurance.
Birla sun life insurance
The document discusses Birla Sun Life Insurance and provides information about the company. It acknowledges the guidance received for the project report. It then discusses the fundamental principles of insurance such as indemnity, utmost good faith, insurable interest, and others. Finally, it provides details about Birla Sun Life Insurance such as its vision, mission and values, company profile, products offered and funds managed.
Life Insurance
A life insurance is an insurance for human lives. Life insurance may be permanent and term, or individual or group.
Insurance law ppt @ bec doms
The document provides an introduction to key concepts and terminology in insurance law, including the definition of risk, risk management, insurance terminology such as policies and premiums, the concept of risk pooling, classifications of insurance, and the requirement of insurable interest. It also summarizes the nature of insurance contracts as governed by contract law and regulated by states, how applications and provisions work, and types of defenses insurers can raise.
Types of insurance
Types of insurance can be divided into life insurance and general insurance. Life insurance includes term life insurance, which pays a lump sum if the insured passes away during the term, and permanent life insurance, which builds cash value over time. General insurance covers property and assets and includes fire insurance, marine insurance, and accident insurance. Common life insurance policies are whole life, which pays out upon death and builds cash value, and term life, which only provides coverage for a set period of time.
Buisness law ppt (insurance)
This ppt is on law of insurance(fire & life ) it will give you complete information about the policies of these insurances.
Life Insurance Basics 3
The document provides an overview of various life insurance policy provisions and options. It discusses topics like assignment of policies, grace periods, contestability periods, reinstatement clauses, beneficiary designations, cash surrender values, policy loans, policy riders, participating policies, settlement options, and more. The level of detail in the document is intended to educate insurance agents on the ins and outs of life insurance policies so they can effectively communicate options to clients.
Life insurance v2
This document provides an overview and explanation of various types of life insurance policies and annuities. It discusses term life insurance including level term, decreasing term, and term to age 65. It also covers whole life insurance, universal life insurance, variable universal life insurance, and supplemental benefits that can be added to policies. The document defines key policy provisions and nonforfeiture options. It concludes with a brief introduction to annuities.
Similar to 1 life insurance lesson feb 16 (20)
MKT 3063 Personal SellingDr. Thomas F. CannonCase Study #2.docx
MKT 3063 Personal SellingDr. Thomas F. CannonCase Study #2.docx
Term Life InsuranceLife and Health Insurance FIN 3660Chapte.docx
Term Life InsuranceLife and Health Insurance FIN 3660Chapte.docx
Questions for Review and Discussion 1. What is risk management an.pdf
Questions for Review and Discussion 1. What is risk management an.pdf
Types of Life Insurance Policies Available in India
Types of Life Insurance Policies Available in India
More from mskarras
January 2007 exam a answer key
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help boost feelings of calmness, happiness and focus.
January 2007 exam a
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
2 quadrilaterals problems june 14
The document discusses a 4 step process but provides no details on the actual steps or content of the process. It references numbered sections but provides no information within those sections. Overall, the document does not contain any substantive information that could be summarized due to the lack of details provided within the numbered sections.
Consumer review answer key
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help boost feelings of calmness, happiness and focus.
Relations and functions june 7
The document discusses a new product launch for a company. It outlines key details of the product, including its features and target market. It also provides a timeline for rolling out marketing and launching the product over the next few months.
Relations and functions june 8
The document discusses a new product launch that is scheduled for next month. It provides details on marketing campaigns that will promote the product, including a television commercial, social media promotions, and product demonstrations at local stores. The goal is to raise brand awareness and generate interest in the new product ahead of its launch date.
Relations and functions quiz correction june 2
The document discusses a 5-step process but provides no details on the actual steps or content of the process. It refers to numbered sections but leaves them undefined. In short, the document introduces the idea of a 5-step process but does not explain or elaborate on it.
Exam prep consumer 40 s
The exam will take place on June 7th at 9:00 AM in the Gym. Students should arrive by 8:45 AM. Students should bring a calculator (not graphing), ruler, pencil, pen, exam number, Kleenex, and water. Phones, iPods, or earphones are not allowed and will result in a zero. Old exams and answers can be found online. The portfolio is due on June 4th and should refer to topics learned over multiple math courses, not just state calculations.
Relations and functions quiz correction june 2
The document discusses a 5 step process but provides no details on the actual steps or content of the process. It references 5 paragraphs but leaves the information in each paragraph undefined. In short, the document outlines a high-level structure with 5 parts but does not explain or elaborate on what each part entails.
Relations and functions domain and range may 31
The document discusses a new product launch for a company. It outlines key details of the product, including its features and target customers. It also provides a timeline for rolling out marketing and launching the product nationally over the next year.
3 statistics normal distribution may 25
The document contains information about test scores, wages, and robin egg weights that follow a normal distribution. It includes means, standard deviations, and asks what percentage of values fall above or below certain thresholds. It poses questions about test scores, manufacturing wages, and measuring weights of robin eggs.
2 statistics -standard deviation may 20
The document provides instructions for calculating the standard deviation from a set of test scores. It defines standard deviation as the square root of the sum of the squared differences between each score and the mean, divided by n-1. It then lists the steps to calculate standard deviation from a sample of 10 test scores, which are to be organized in a 3 column chart and used to determine the mean, differences from the mean, squared differences, sum of squares, and final standard deviation value.
1 statistics - percentile may 18
The document contains test results from 10 grade 10 students which range from 4.5 to 22. It then provides instructions on how to calculate the mean, mode, median, percentage, and percentile ranking for a given test score. For a test score of 17, the percentage would be 65% and the percentile ranking would be 55%. For a test score of 12, the percentage would be 46% and the percentile ranking would be the 25th percentile.
4 data analysis circle graphs may 28
To make a pie graph, one writes each number as a percentage of the total, expresses each percentage as a sector angle by multiplying by 360 degrees, rounds the sector angles to the nearest degree, draws a circle using a compass, draws radii from the center to the edge using a protractor to draw the largest sector, and includes an appropriate title, shading, and legend to label the graph. A math song teaches that the mean is the average, the median is the middle number, and the mode is the most frequent number. An assignment directs students to page 120, problems 1-2.
1 data analysis -line plots masy 19
The document provides instructions for constructing a line plot, including drawing a horizontal line, choosing an appropriate scale, and plotting an X above the line for each item in the data list. It also defines key terms used in line plots such as outliers, range, clusters, and gaps.
3 data analysis bar graphs may 27
This document contains a song about measures of central tendency (mean, median, mode) and instructions for accurately and inaccurately representing data using bar graphs. The key points are:
1) The mean is the average, the median is the middle number, and the mode is the most frequent value.
2) To accurately display data on a bar graph, the vertical axis should begin at zero and extend slightly above the maximum data value, and the bars should be the same width.
3) To exaggerate differences, the vertical axis range should tightly fit the data values. To minimize differences, the vertical axis should extend well above the maximum data value.
2 data analysis central tendancies may 21
This document discusses measures of central tendency including the mean, median, and mode. It provides examples to calculate and compare the mean, median, and mode for sets of data. The mean is the average value, the median is the middle value, and the mode is the most frequent value. The document explains that the mean may be higher or lower than the median depending on whether there are more values above or below it. It also gives an example of calculating the mean, median, and mode for golf scores to determine which player has the better average score.
More from mskarras (20)
Recently uploaded
falcon-invoice-discounting-a-strategic-approach-to-optimize-investments
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
How Does CRISIL Evaluate Lenders in India for Credit Ratings
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
Ending stagnation: How to boost prosperity across Scotland
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
The state of welfare Resolution Foundation Event
How has Britain’s safety net changed since 2010 and what comes next?
University of North Carolina at Charlotte degree offer diploma Transcript
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.5 Tips for Creating Standard Financial Reports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
Who Is the Largest Producer of Soybean in India Now.pdf
This blog explores the current largest producer of soybean in India and the factors contributing to their dominance.
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
Whatsapp (+971581248768) Buy Abortion Pills In Dubai/ Qatar/Kuwait/Doha/Abu Dhabi/Alain/RAK City/Satwa/Al Ain/Abortion Pills For Sale In Qatar, Doha. Abu az Zuluf. Abu Thaylah. Ad Dawhah al Jadidah. Al Arish, Al Bida ash Sharqiyah, Al Ghanim, Al Ghuwariyah, Qatari, Abu Dhabi, Dubai.. WHATSAPP +971)581248768 Abortion Pills / Cytotec Tablets Available in Dubai, Sharjah, Abudhabi, Ajman, Alain, Fujeira, Ras Al Khaima, Umm Al Quwain., UAE, buy cytotec in Dubai– Where I can buy abortion pills in Dubai,+971582071918where I can buy abortion pills in Abudhabi +971)581248768 , where I can buy abortion pills in Sharjah,+97158207191 8where I can buy abortion pills in Ajman, +971)581248768 where I can buy abortion pills in Umm al Quwain +971)581248768 , where I can buy abortion pills in Fujairah +971)581248768 , where I can buy abortion pills in Ras al Khaimah +971)581248768 , where I can buy abortion pills in Alain+971)581248768 , where I can buy abortion pills in UAE +971)581248768 we are providing cytotec 200mg abortion pill in dubai, uae.Medication abortion offers an alternative to Surgical Abortion for women in the early weeks of pregnancy. Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman
1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
原版一模一样【微信：741003700 】【加拿大麦吉尔大学毕业证硕士学历证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
Detailed power point presentation on compound interest and how it is calculated
Detailed information about compund interest
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strategies
Unlock-the-Power-of-UAN-Your-Key-to-Secure-Retirement.pptx
The Universal Account Number (UAN) by EPFO centralizes multiple PF accounts, simplifying management for Indian employees. It streamlines PF transfers, withdrawals, and KYC updates, providing transparency and reducing employer dependency. Despite challenges like digital literacy and internet access, UAN is vital for financial empowerment and efficient provident fund management in today's digital age.
South Dakota State University degree offer diploma Transcript
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.Recently uploaded (20)
falcon-invoice-discounting-a-strategic-approach-to-optimize-investments
falcon-invoice-discounting-a-strategic-approach-to-optimize-investments
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
How Does CRISIL Evaluate Lenders in India for Credit Ratings
How Does CRISIL Evaluate Lenders in India for Credit Ratings
Ending stagnation: How to boost prosperity across Scotland
Ending stagnation: How to boost prosperity across Scotland
University of North Carolina at Charlotte degree offer diploma Transcript
University of North Carolina at Charlotte degree offer diploma Transcript
Tumelo-deep-dive-into-pass-through-voting-Feb23 (1).pdf
Tumelo-deep-dive-into-pass-through-voting-Feb23 (1).pdf
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Who Is the Largest Producer of Soybean in India Now.pdf
Who Is the Largest Producer of Soybean in India Now.pdf
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Detailed power point presentation on compound interest and how it is calculated
Detailed power point presentation on compound interest and how it is calculated
Applying the Global Internal Audit Standards_AIS.pdf
Applying the Global Internal Audit Standards_AIS.pdf
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Unlock-the-Power-of-UAN-Your-Key-to-Secure-Retirement.pptx
Unlock-the-Power-of-UAN-Your-Key-to-Secure-Retirement.pptx
South Dakota State University degree offer diploma Transcript
South Dakota State University degree offer diploma Transcript
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightness
1 life insurance lesson feb 16
- 1. Life Insurance 1
- 2. 2
- 3. Life Insurance Association or Group Individual Fully portable and transferable Usually not portable and not transferable Provisions can be changed at policy anniversary and by the employer Contracts can be cancelled by insurer Contract cannot be cancelled Limited selection of optional benefits available Large selection of optional benefits available Provisions cannot be changed 3
- 4. Insured or policy holder The individual who contracts the policy with the insurance company Insurer The insurance company Policy The insurance contract that contains the legally enforceable agreement between the insurer and the insured Face value The amount of money paid by the insurer in the event of the death of the insured Beneficiary The individual(s) named to receive the face value of the policy upon the death of the insured Premium The amount of money the insured pays the insurer for the policy 4
- 6. Bryan is a 32 year old nonsmoker. He would like to purchase a 10year term life insurance policy with a face value of $300,000.00. 1) Calculate Bryan's annual premium http://www.edu.gov.mb.ca/k12/assess/archives/cm_wt_rp_08.pdf 2) Calculate the semiannual premium Bryan would pay. 6
- 7. Insurance Tables for Consumer course http://www.edu.gov.mb.ca/k12/assess/archives/cm_wt_rp_08.pdf 7
- 8. Linh is a 40 year old smoker who is interested in purchasing a whole life insurance policy with a face value of $200,000. 1) Calculate her annual premium 2) Calculate her monthly premium 8