Constructive receipt of an asset does NOT exst in which of the followi.pdf
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Constructive receipt of an asset does NOT exst in which of the following circumstances? A) A contract owner receives a check in the surrender of a deferred annuity and immediately transmits the endorsed check to another insurer who is issuing a replacement annuity B) A contract owner receves a check in partial surrender of a deferred annuity and deposits the full amount into another deferred annuity. C) A contract owner receives a monthly statement informing him of his life policy's cash value, at which time he instructs the insurer to transfer the full value directly to another insurer in exchange for another life policy. D) A contract owner receives a check for the cash value of a life policy surrender and deposits the full amount into a mutuat fund All of the following are important factors to consider when contemplating an exchange of a guaranteed product to a variable contract EXCEPT 1 the 5 - and 10 year performance of the separate account 11. the time period remaining in the onginal suicide clause Iil. the potentiat increases in the death benefit N. the current tax treatment of any values transferred A) If only B) Hiland IV c) 1, ill, and IV D) 18 and 114 A new prosped, age 50, comes to you for a recommendation. This indivdual antcipates that he will continue to work until the normal Social Security retirement age. and already has buit up a substantal 401 ( k ) account in a plan set up with a moderate risk profie. This individual has addaional funds he would hike to place through an insurance company, but he is hesilant to put them in a fixed annuily because of the very conservative retums that are currenty being offered. Understanding the availability and benefits of IRC Section 1035 and realzzing that this individuat may desire a more conservative investment approach sometime in the future. especially as he nears retirement, you would quite likely recommend that he consider A) an equity indexed annuty B) a variable anmuity that offers guaranteed fixed interest subaccount choices C) a varabte universal ife policy with several low risk subaccount choices D) a low to inoderate risk mutual fund.
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Ch 9 Iicle Post Mortem Planning 9 7 09 (2)
This document discusses various topics related to life insurance, including:
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- Uses of irrevocable life insurance trusts to hold policies and avoid estate taxes.
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I. Coverage as a retired employee is primary to coverage as an active employee.
II. Coverage as an active employee is primary to coverage as a dependent.
A I only
B. II only
C. Both I and II
D. Neither I nor II
2. Which of the following statements concerning sick-leave plans is (are) correct?
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II. Most plans contain a waiting period of 3 to 6 weeks before benefits start.
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B. II only
C. Both I and II
D. Neither I nor II
3. Which of the following statements concerning business overhead insurance is (are)
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costs of operating a business while the owner is totally disabled.
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long waiting periods.
A. I only
B. II only
C. Both I and II
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4. Which of the following statements concerning a deferred annuity is (are) correct?
I. Deferred annuities must be purchased with periodic premiums paid over a period of
time.
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accumulate a sum for old age.
A. I only
B. II only
C. Both I and II
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55. Which of the following statements concerning a joint-and-last survivor annuity is (are)
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I. It must be sold as an immediate annuity.
II. Annuity payments cease upon the first death of an annuitant.
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B. II only
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conversion determines the premium rate for the new coverage.
II. When the retroactive (original age) method is used, the new coverage uses the
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a) Property transferred to a revocable trust by the decedent 17 years prior to death
b) Property sold by the decedent two years prior to death for a private annuity of equal value
c) Property transferred to decedent's wife for life, then to their son if the son survives his mother, to the extent of the reversion
d) A life insurance policy transferred two and a half years ago on the decedent's life
10. Which of the following retained powers is not an "incident of ownership" in a life insurance policy?
a) A power to use the policy as collateral for loans not to exceed one-half its cash value.
b) A power to select a settlement option spelled out in the policy.
c) The power to cancel a group policy indirectly by resigning a position.
d) A power to veto a change of beneficiary after the transfer of the policy to the current beneficiary.
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a) The QTIP trust is a "simple" trust and anyone, including a charity, may be the remainderman.
b) A QTIP trust may not be implemented prior to the grantor's death.
c) Only the grantor's spouse may be the income beneficiary, but may refuse to accept the bequest and elect against the will
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(1.) Charitable contributions of $15,000
(2.) Funeral expenses of $4,000
(3.) Mortgage payments of $5,000
(4.) Attorney's fees of $10,000
Which of the above amounts offer the executor an option to deduct the payments?
a) (1), (2), (3), and (4)
b) (1) and (2)
c) (1) and (3)
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1. Gift taxes paid on post-1976 gifts are generally allowed as a c.docx
1. Gift taxes paid on post-1976 gifts are generally allowed as a credit against the tentative estate tax. True or False.
2. The estate tax is not levied on tax-exempt municipal bonds. True or False.
3. If the spouse of the transferor under the Uniform Transfers to Minors Act is the custodian, the property is includible in the spouse's estate. True or False.
4. Norma and John Baker's jointly owned home (with right of survivorship) was fully paid for by John. Nevertheless, when Norma predeceased John, one-half the value of the home is includible in her estate. True or False.
5. Testamentary charitable gifts are deductible up to 50 percent of the adjusted gross estate. True or False.
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7. General powers of appointment that are limited by ascertainable standards do not bring property into the Estate Tax Return. True or False.
8. After selecting special use valuation, the farm value method is normally the preferred valuation technique. True or False.
9. The following assets, which are not part of the probate estate, nevertheless are includible in the gross estate, except:
a) Property transferred to a revocable trust by the decedent 17 years prior to death
b) Property sold by the decedent two years prior to death for a private annuity of equal value
c) Property transferred to decedent's wife for life, then to their son if the son survives his mother, to the extent of the reversion
d) A life insurance policy transferred two and a half years ago on the decedent's life
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a) A power to use the policy as collateral for loans not to exceed one-half its cash value.
b) A power to select a settlement option spelled out in the policy.
c) The power to cancel a group policy indirectly by resigning a position.
d) A power to veto a change of beneficiary after the transfer of the policy to the current beneficiary.
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a) The QTIP trust is a "simple" trust and anyone, including a charity, may be the remainderman.
b) A QTIP trust may not be implemented prior to the grantor's death.
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(1.) Charitable contributions of $15,000
(2.) Funeral expenses of $4,000
(3.) Mortgage payments of $5,000
(4.) Attorney's fees of $10,000
Which of the above amounts offer the executor an option to deduct the payments?
a) (1), (2), (3), and (4)
b) (1) and (2)
c) (1) and (3)
d) (4)
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- Claims and payment options for life insurance proceeds, such as lump-sum payouts, life annuities, or other structured payouts.
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- Uses of irrevocable life insurance trusts to hold policies and avoid estate taxes.
- How life insurance is used in buy-sell agreements and split-dollar arrangements between business owners.
- The role of life insurance in qualified retirement plans and other employee benefit arrangements.
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1. Which of the following statements concerning the usual coordination-of-benefits (COB)
provision in group medical expense plans is (are) correct?
I. Coverage as a retired employee is primary to coverage as an active employee.
II. Coverage as an active employee is primary to coverage as a dependent.
A I only
B. II only
C. Both I and II
D. Neither I nor II
2. Which of the following statements concerning sick-leave plans is (are) correct?
I. Most plans provide benefits equal to 100 percent of an employee's regular pay.
II. Most plans contain a waiting period of 3 to 6 weeks before benefits start.
A I only
B. II only
C. Both I and II
D. Neither I nor II
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correct?
I. These policies provide funds that can be used to cover many of the ongoing
costs of operating a business while the owner is totally disabled.
II. These policies tend to have benefit durations of 5 years or more and have fairly
long waiting periods.
A. I only
B. II only
C. Both I and II
D. Neither I nor II
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I. Deferred annuities must be purchased with periodic premiums paid over a period of
time.
II. Because of the delay feature, a deferred annuity is unsuitable as a vehicle to
accumulate a sum for old age.
A. I only
B. II only
C. Both I and II
D. Neither I nor II
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correct?
I. It must be sold as an immediate annuity.
II. Annuity payments cease upon the first death of an annuitant.
A. I only
B. II only
C. Both I and II
D. Neither I nor II
6. Which of the following statements concerning a term life insurance policy's convertibility
feature is (are) correct?
I. When the attained age method is used, the insured's age on the date of the
conversion determines the premium rate for the new coverage.
II. When the retroactive (original age) method is used, the new coverage uses the
insurer's contract that is effective on the date of the conversion.
A. I only
B. II only
C. Both I and II
D. Neither I nor II
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correct?
I. Using probability concepts enables an insurer to predict losses for its entire
group of insured persons with complete accuracy.
II. Using probability concepts enables an insurer to eliminate the possibility that its
losses and expenses will exceed its revenues.
A. I only
B. II only
C. Both I and II
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3. If the spouse of the transferor under the Uniform Transfers to Minors Act is the custodian, the property is includible in the spouse's estate. True or False.
4. Norma and John Baker's jointly owned home (with right of survivorship) was fully paid for by John. Nevertheless, when Norma predeceased John, one-half the value of the home is includible in her estate. True or False.
5. Testamentary charitable gifts are deductible up to 50 percent of the adjusted gross estate. True or False.
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9. The following assets, which are not part of the probate estate, nevertheless are includible in the gross estate, except:
a) Property transferred to a revocable trust by the decedent 17 years prior to death
b) Property sold by the decedent two years prior to death for a private annuity of equal value
c) Property transferred to decedent's wife for life, then to their son if the son survives his mother, to the extent of the reversion
d) A life insurance policy transferred two and a half years ago on the decedent's life
10. Which of the following retained powers is not an "incident of ownership" in a life insurance policy?
a) A power to use the policy as collateral for loans not to exceed one-half its cash value.
b) A power to select a settlement option spelled out in the policy.
c) The power to cancel a group policy indirectly by resigning a position.
d) A power to veto a change of beneficiary after the transfer of the policy to the current beneficiary.
11. The following statements about "Qualified Terminable Interest Property" (QTIP) trusts are true, except:
a) The QTIP trust is a "simple" trust and anyone, including a charity, may be the remainderman.
b) A QTIP trust may not be implemented prior to the grantor's death.
c) Only the grantor's spouse may be the income beneficiary, but may refuse to accept the bequest and elect against the will
d) If a trust otherwise qualifies, QTIP treatment may be elected for an undivided portion of the trust, such as 78 percent
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(1.) Charitable contributions of $15,000
(2.) Funeral expenses of $4,000
(3.) Mortgage payments of $5,000
(4.) Attorney's fees of $10,000
Which of the above amounts offer the executor an option to deduct the payments?
a) (1), (2), (3), and (4)
b) (1) and (2)
c) (1) and (3)
d) (4)
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1. Gift taxes paid on post-1976 gifts are generally allowed as a c.docx
1. Gift taxes paid on post-1976 gifts are generally allowed as a credit against the tentative estate tax. True or False.
2. The estate tax is not levied on tax-exempt municipal bonds. True or False.
3. If the spouse of the transferor under the Uniform Transfers to Minors Act is the custodian, the property is includible in the spouse's estate. True or False.
4. Norma and John Baker's jointly owned home (with right of survivorship) was fully paid for by John. Nevertheless, when Norma predeceased John, one-half the value of the home is includible in her estate. True or False.
5. Testamentary charitable gifts are deductible up to 50 percent of the adjusted gross estate. True or False.
6. The unified credit is the same for gift tax purposes as for estate tax purposes. True or False.
7. General powers of appointment that are limited by ascertainable standards do not bring property into the Estate Tax Return. True or False.
8. After selecting special use valuation, the farm value method is normally the preferred valuation technique. True or False.
9. The following assets, which are not part of the probate estate, nevertheless are includible in the gross estate, except:
a) Property transferred to a revocable trust by the decedent 17 years prior to death
b) Property sold by the decedent two years prior to death for a private annuity of equal value
c) Property transferred to decedent's wife for life, then to their son if the son survives his mother, to the extent of the reversion
d) A life insurance policy transferred two and a half years ago on the decedent's life
10. Which of the following retained powers is not an "incident of ownership" in a life insurance policy?
a) A power to use the policy as collateral for loans not to exceed one-half its cash value.
b) A power to select a settlement option spelled out in the policy.
c) The power to cancel a group policy indirectly by resigning a position.
d) A power to veto a change of beneficiary after the transfer of the policy to the current beneficiary.
11. The following statements about "Qualified Terminable Interest Property" (QTIP) trusts are true, except:
a) The QTIP trust is a "simple" trust and anyone, including a charity, may be the remainderman.
b) A QTIP trust may not be implemented prior to the grantor's death.
c) Only the grantor's spouse may be the income beneficiary, but may refuse to accept the bequest and elect against the will
d) If a trust otherwise qualifies, QTIP treatment may be elected for an undivided portion of the trust, such as 78 percent
12. John Marigold's estate incurred the following payments during administration:
(1.) Charitable contributions of $15,000
(2.) Funeral expenses of $4,000
(3.) Mortgage payments of $5,000
(4.) Attorney's fees of $10,000
Which of the above amounts offer the executor an option to deduct the payments?
a) (1), (2), (3), and (4)
b) (1) and (2)
c) (1) and (3)
d) (4)
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Smart annuity plus plan offers guaranteed income for lifetime. SBI Life smart annuity plus is a retirement plan with ✓Single Premiums ✓Annuity Options ✓Regular Lifetime Income.
Consider the following intertemporal social welfare function- W-min(U0.pdf
Consider the following intertemporal social welfare function. W=min(U U ,...,U ), where U
0, 1 T t
is the utility in time period t. Is the following statement true, false, or uncertain: "The optimal
solution of such a social welfare function would be constant consumption across all time periods..
Consider the classes below- Here is the code for the ParentChildRelati.pdf
Consider the classes below:
Here is the code for the ParentChildRelation class:
import java.util.Date;
import java.util.Map;
public class ParentChildRelation {
private int rec_id;
private String name;
private Date startDate;
private Date endDate;
private Map<String, Integer> childData;
public int getRec_id() {
return rec_id;
}
public void setRec_id(int rec_id) {
this.rec_id = rec_id;
}
public String getName() {
return name;
}
public void setName(String name) {
this.name = name;
}
public Date getStartDate() {
return startDate;
}
public void setStartDate(Date startDate) {
this.startDate = startDate;
}
public Date getEndDate() {
return endDate;
}
public void setEndDate(Date endDate) {
this.endDate = endDate;
}
public Map<String, Integer> getChildData() {
return childData;
}
public void setChildData(Map<String, Integer> childData) {
this.childData = childData;
}
}
Here is the code for the Service class:
import java.text.DateFormat;
import java.text.SimpleDateFormat;
import java.util.ArrayList;
import java.util.Date;
import java.util.HashMap;
import java.util.List;
import java.util.Map;
public class ParentChildRelationService {
private List<ParentChildRelation> parentChildRelationList;
public void init() {
parentChildRelationList = new ArrayList<>();
// Adding records for Unit01
ParentChildRelation unit01Record1 = new ParentChildRelation();
unit01Record1.setRec_id(1001);
unit01Record1.setName("Unit01");
DateFormat dateFormat = new SimpleDateFormat("dd-MM-yyyy");
try {
Date startDate = dateFormat.parse("01-01-2023");
Date endDate = dateFormat.parse("31-01-2023");
unit01Record1.setStartDate(startDate);
unit01Record1.setEndDate(endDate);
} catch (Exception e) {
e.printStackTrace();
}
Map<String, Integer> unit01Record1ChildData = new HashMap<>();
unit01Record1ChildData.put("key1", 83);
unit01Record1ChildData.put("key2", 65);
unit01Record1ChildData.put("key3", 96);
unit01Record1ChildData.put("key4", 45);
unit01Record1ChildData.put("key5", 25);
unit01Record1ChildData.put("key6", 98);
unit01Record1ChildData.put("key7", 45);
unit01Record1.setChildData(unit01Record1ChildData);
parentChildRelationList.add(unit01Record1);
ParentChildRelation unit01Record2 = new ParentChildRelation();
unit01Record2.setRec_id(1002);
unit01Record2.setName("Unit01");
try {
Date startDate = dateFormat.parse("01-02-2023");
Date endDate = dateFormat.parse("28-02-2023");
unit01Record2.setStartDate(startDate);
unit01Record2.setEndDate(endDate);
} catch (Exception e) {
e.printStackTrace();
}
Map<String, Integer> unit01Record2ChildData = new HashMap<>();
unit01Record2ChildData.put("key1", 45);
unit01Record2ChildData.put("key2", 98);
unit01Record2ChildData.put("key3", 25);
unit01Record2ChildData.put("key4", 36);
unit01Record2ChildData.put("key5", 95);
unit01Record2ChildData.put("key6", 83);
unit01Record2ChildData.put("key7", 65);
unit01Record2.setChildData(unit01Record2ChildData);
parentChildRelationList.add(unit01Record2);
// Adding records for Unit02
ParentChildRelation unit02Record1 .
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Consider the following intertemporal social welfare function. W=min(U U ,...,U ), where U
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Here is the code for the ParentChildRelation class:
import java.util.Date;
import java.util.Map;
public class ParentChildRelation {
private int rec_id;
private String name;
private Date startDate;
private Date endDate;
private Map<String, Integer> childData;
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import java.text.DateFormat;
import java.text.SimpleDateFormat;
import java.util.ArrayList;
import java.util.Date;
import java.util.HashMap;
import java.util.List;
import java.util.Map;
public class ParentChildRelationService {
private List<ParentChildRelation> parentChildRelationList;
public void init() {
parentChildRelationList = new ArrayList<>();
// Adding records for Unit01
ParentChildRelation unit01Record1 = new ParentChildRelation();
unit01Record1.setRec_id(1001);
unit01Record1.setName("Unit01");
DateFormat dateFormat = new SimpleDateFormat("dd-MM-yyyy");
try {
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Date endDate = dateFormat.parse("31-01-2023");
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unit01Record1.setEndDate(endDate);
} catch (Exception e) {
e.printStackTrace();
}
Map<String, Integer> unit01Record1ChildData = new HashMap<>();
unit01Record1ChildData.put("key1", 83);
unit01Record1ChildData.put("key2", 65);
unit01Record1ChildData.put("key3", 96);
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parentChildRelationList.add(unit01Record1);
ParentChildRelation unit01Record2 = new ParentChildRelation();
unit01Record2.setRec_id(1002);
unit01Record2.setName("Unit01");
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unit01Record2.setEndDate(endDate);
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unit01Record2ChildData.put("key2", 98);
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unit01Record2ChildData.put("key4", 36);
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s1
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s2
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#define STACK_H
#include <iostream>
struct Stack {
struct Link {
void* data;
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data = dat;
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}
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return result;
}
void cleanup() {
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}
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};
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migrate from the origin to the destination by paying a migration cost equal to 4. how many
workers would move from the origin to the destination..
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