A stock insurance company is a corporation owned by its stockholders and its main objective is to make a profit for them. Stock or shareholders differ from policyholders because the latter do not share directly in the profits of the company Todd plans to purchase a life insurance policy from a stock insurer because he wants something where he can buy shares and be a shareholder of the company instead of just being a policyholder.
Todd is likely considering a term life insurance or whole life insurance policy from a stock life insurance company. Term life offers coverage for a specific period, while whole life also accumulates a cash value but generally provides a lower return on investment compared to other options.
Term Life Insurance vs. Whole Life Insurance
When Todd plans to purchase a life insurance policy from a stock life insurance company, he is considering a policy that is typically offered by companies structured as joint-stock corporations. These corporations offer various types of life insurance policies such as term life, whole life, and others. A term life insurance policy provides coverage for a specific period, paying out if the insured dies within this term. In contrast, a whole life insurance policy, also known as cash-value life insurance, includes a death benefit and accumulates a cash value over time, acting like a forced savings account.
Although whole life policies can be seen as a financial product providing a savings component, they are often not the best investment. The returns offered by the insurance company on the cash value portion are typically lower compared to what could be achieved through other investment avenues. The insurance company invests the premiums at a higher rate and offers the policyholder a lower guaranteed return, keeping the difference. In the context of the 1970s and 1980s, companies introduced innovations such as variable annuities and adjustable-rate policy loans to make whole life policies more attractive. These improvements allowed policyholders more flexibility against the cash value of their policy.
Term life insurance, however, remains a straightforward protection option. It is more affordable and focuses purely on offering financial protection to the beneficiaries without any savings element. McKinsey's 2020 report highlighted issues of declining profitability and growth in life insurance companies and recommended changes like creating products that can be converted to long-term nursing home care policies.
Hosha exchanges all of her leaf stock for petal stock plus $5,000 cash. the exchange is pursuant to a tax-free reorganization. hosha paid $25,000 for the leaf stock five years ago. the petal stock received by hosha has an $18,000 fair market value. if an amount is zero, enter "0".
a. what is hosha's realized and recognized gain/loss from the reorganization
Valley paragliders association files a suit against wing designers, inc., claiming that the consideration for their contract is inadequate. the court will most likely not examine the adequacy of the consideration if
A farmer wakes up one morning and sees a large circular area of land on his farm that is sunken. what may be the problem?
Final answer:
The problem may be the presence of a sinkhole caused by excessive groundwater withdrawal from the use of a central pivot irrigation system.
Explanation:
A farmer wakes up to find a large circular area of sunken land on his farm. One possible problem could be the presence of a sinkhole. A sinkhole is a depression or hole in the ground that forms due to the collapse of a surface layer or due to the dissolution of underlying rock or soil. Sinkholes can occur naturally or as a result of human activities, such as mining or excessive groundwater withdrawal.
In agricultural areas, sinkholes can be caused by the excessive pumping of groundwater for irrigation. If the farmer has been using a central pivot irrigation system, which involves a large boom that circles around a water source, the constant extraction of water from the ground can lead to the formation of sinkholes. The boom's circular movement could contribute to the circular pattern of the sunken land.
It is important for the farmer to assess the situation and consult with professionals, such as geologists or agricultural experts, to determine the exact cause of the sunken area and take appropriate measures to prevent further land subsidence.
Small businesses usually only have one layer of management, making them more ______ and able to adapt to market demands.
What is the term used to describe the art and science of creating processes within an organization
The term used to describe the art and science of creating processes within an organization is management, which includes various aspects such as organizational culture, psychology, performance appraisal, and procedural justice.
Explanation:The term used to describe the art and science of creating processes within an organization is management. Management includes the organization's culture, values, visions, hierarchies, norms, interactions between employees, and how the organization is run, operates, and makes decisions. It also involves concepts such as organizational psychology, performance appraisal, and procedural justice.
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Explain why if you want to store uncooked hamburger meat for a month you put it in a freezer rather than a refrigerator
Uncooked hamburger meat should be stored in a freezer rather than a refrigerator if you want to store it for a month because freezing stops microbial growth and kills susceptible organisms. Refrigeration only inhibits bacterial growth. Thawed foods should be treated like fresh perishables because bacterial growth can restart in thawed foods.
Explanation:The reason uncooked hamburger meat should be stored in a freezer rather than a refrigerator if you want to store it for a month is because freezing below -2 °C can stop microbial growth and even kill susceptible organisms. Freezing the meat at this temperature creates an environment that is not conducive for bacterial growth. In contrast, refrigeration only inhibits bacterial growth but does not stop it completely. Additionally, thawed foods should be treated like fresh perishables because halted bacterial growth can restart in thawed foods.
To calculate price per square foot you must?
A) divide price by number of square feet
B) multiply price by number
C) divide number of square feet by price
D) multiply number of square feet by price
Answer:
Divide the price by the number of square feet!
Explanation:
The cost of securing public safety during protest activities is the primary responsibility of ________.
Local law enforcement agencies are primarily responsible for the cost of securing public safety during protest activities, funded through various methods including taxes and user fees. The option (A) is correct.
Local law enforcement agencies are funded and managed at the local level, indicating their importance in ensuring public safety. Public safety services are funded through various means, including taxes, user fees, and public-private partnerships.
Citizens who follow the law and benefit from public safety services contribute to funding these services through their taxes and other means.
This question is not complete, Here I am attaching the complete question:
The cost of securing public safety during protest activities is the primary responsibility of ________.
A) Local law enforcement agencies
B) Federal government agencies
C) Protest organizers
D) Private security firms
Amy and ashley sell cars for street toyota. over the past year, they sold 640 cars. assuming amy sold 3 times as many as ashley, how many cars did amy sell?
Use steth/o to build a word that means instrument to examine the chest:
Briefly list and discuss two problems that a purchasing department sometimes has in meeting objectives.
Two problems that a purchasing department sometimes has in meeting objectives are meeting demand and organization of employees.
If there is a shortage in available items for purchasing, the department store may not be able to bring in the products to help meet their objectives. Sometimes objectives for one type of company directly relates to the availability of product from another company. Also, if the purchasing department does not have organization of their employees, they could easily slack off which may result in not meeting objectives. Like any business or department, it's very important to make sure there is employee organization to help operations run smoothly.
Eileen is eligible to receive assistive services like food stamps, health care, and housing from the government. this suggests that:
Final answer:
Eileen's eligibility for government assistive services such as food stamps, Medicaid, and housing suggests she is likely in a low-income bracket, experiencing poverty. These programs aim to provide basic needs and reduce income inequality, but may have issues like benefit cliffs.
Explanation:
Eileen's eligibility for assistive services such as food stamps (SNAP), health care (Medicaid), and housing assistance indicates that she likely falls into a low-income bracket and may be experiencing poverty. These government support programs are designed to provide a safety net for individuals and families, ensuring they have access to basic needs such as food, shelter, and healthcare. The provision of food stamps allows Eileen to obtain groceries, Medicaid covers her medical expenses, and housing vouchers help cover the cost of accommodation.
Programs like the TANF (Temporary Assistance for Needy Families) and EITC (Earned Income Tax Credit) are additional means of support that the government provides to low-income individuals, aiming to alleviate poverty and reduce income inequality. Although these programs can provide substantial assistance, it's important to note that, historically, some people have found that an increase in earned income can be offset by a reduction in these government benefits, leading to the issue of benefit cliffs.
A coach wants to find out the speed of the runners on a track team. tell what simple equipment the coach needs in order to do this and explain how it should be done
To measure the speed of runners on a track team, a coach can use a simple piece of equipment called a "stopwatch" or "chronometer."
A coach can use a cheap piece of gear called a "stopwatch" or "chronometer" to gauge the running speed of the track squad.
A stopwatch is a tool for keeping track of time that can precisely calculate the length of an event in seconds, milliseconds, or other time intervals. It is frequently used in timing applications in sports, such as track and field.
Usually, a stopwatch has three buttons: a start button, a stop button, and a reset button. Pressing the start button causes the stopwatch to start keeping time. The stopwatch stops counting when the stop button is pressed, showing the amount of time that has passed.
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The coach can determine runners' speeds using a stopwatch and measuring the distance run. While the stopwatch's ±0.05-second uncertainty is generally suitable for timing sprints, it may not sufficiently discern between very close times, and it cannot conclusively determine small improvements in the sprinters’ performances.
Explanation:To measure the speed of runners on a track team, a coach can use simple equipment like a stopwatch and a known distance. The procedure involves starting the stopwatch when the runner begins sprinting from the starting line and stopping it as soon as the runner crosses the finish line. The speed is then calculated by dividing the distance by the time it took the runner to complete the run.
Considering that the stopwatch has an uncertainty of ±0.05 seconds and the runners' sprint times range from 11.49 seconds to 15.01 seconds, the stopwatch seems suitable for timing purposes. However, when it comes to distinguishing very close sprint times, such as the ones from the school's last track meet where the winner clocked in at 12.04 seconds and the second-place runner at 12.07 seconds, the uncertainty of the stopwatch might be too large to definitively differentiate between such close results.
For the team's top sprinter who clocked 12.04 seconds on one occasion and 11.96 seconds on another, despite the small difference which seems to indicate improvement, due to the uncertainty in the stopwatch, we cannot conclusively affirm this week's time is faster. An uncertainty of ±0.05 s means the true time could potentially be 0.05 s faster or slower than the recorded time, making the two times statistically indistinguishable.
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In large firms that have many specialists to handle each promotion method, sales managers are primarily concerned with
If you borrow $5000 to remodel a home at 5% interest, what is the principle
Answer:
5000
Explanation:
5,000 is the principal. This is the amount you received from the lender.
Which of the following has the least effect on the amount of money that people save? A. Habit B. Cultural patterns C. Rates of return D. Employer incentives
Total liabilities ÷ Total assets represents which type of financial ratio? A. Current ratio B. Return on equity C. Debt ratio D. Debt to equity ratio Please select the best answer from the choices provided A B C D
__________ contracts are called __________ because no formalities are required in making them
A washer and a dryer cost $1013 combined. the washer costs $63 more than the dryer. what is the cost of the dryer?
Final answer:
The cost of the dryer is $475.
Explanation:
Let's call the cost of the dryer x. According to the question, the washer costs $63 more than the dryer. So, the cost of the washer would be x + $63.
Now, we know that the combined cost of the washer and dryer is $1013. So, we can write the equation:
x + (x + $63) = $1013
Simplifying the equation, we get 2x + $63 = $1013.
Therefore, 2x = $1013 - $63 = $950.
Dividing both sides by 2, we get x = $475.
So, the cost of the dryer is $475.
____ teams have specific assignments, such as research, and members usually must contribute expert knowledge and judgment
a credit card had an apr of 15.21 all of last year and compounded interest daily. what was the credit cards effective interest rate last year?
A) 11.64%
B) 15.21
C) 16.42%
D) 16.32%
Donna Forrester's gross pay is $72,500 a year. The state income tax is 3% of taxable wages. Donna takes a married exemption of $4,000 for herself and her husband. How much is withheld from her gross earnings for state income tax for the year?
Answer:
Donna's state income tax will be $2,055
Explanation:
Donna's gross pay is $72,500. If she takes the $4,000 exemption, her taxable income will lower to $68,500, that will be her net income used for state income taxes.
Donna's state income taxes = $68,500 x 3% = $2,055
____ printers tend to smudge on inexpensive paper, and they are slower than laser printers.
Compare and contrast ikea's strategies for entry into north america with those that ikea employed for entry into china.
Answer:
Ikea fired a shot heard round the retailing world when it landed on American soil in 1985, opening its doors in a shopping mall just outside of Philadelphia. I was there—writing a story about the Swedish retailer for Metropolitan Home magazine, where the store's advance buzz had preceded its arrival.
Explanation:
Behaviors that are more common in your life make better reinforcers than behaviors that are less common. this is known as _____.
Mary sue owns 1,000 shares of qrs moving company. qrs pays a yearly dividend of $1.00 per share. what is the total annual dividend that mary sue will receive?
The total annual dividend that Mary will receive is $1,000.
What is the dividend?A dividend is defined as a profit distribution made by a firm to its shareholders. When a business makes a profit or has a surplus, it can distribute a portion of the earnings to shareholders as a dividend. Any money that is not dispersed is re-invested in the company.
Dividends are typically paid out quarterly and might be either in cash or in the form of more stock reinvestment.
Computation of dividend:
According to the given information,
Dividend per share = $1.00
Number of shares owned = 1,000
Total dividend = Dividend per share * Number of shares owned
Total Dividend = $1.00*1000
Total Dividend = $1,000
Therefore, total dividend will be $1,000.
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a(n) _____ represents the steps in a specific business function or process.
Which Administration and Administrative Support career typically has a bachelor’s degree?
Education Administrator for Childcare Centers
Education Administrator for Elementary Schools
Preschool Teacher
Librarian Technician
The career in Administration and Administrative Support that usually has a bachelor degree is Education Administrator for Childcare Centers.
Which career needs a bachelor's degree?An Education Administrator for Childcare Centers requires certain skills in order to be effective at their jobs.
These skills are taught at a bachelor's degree level which means that a qualified candidate with a bachelor's degree can work in this career.
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For what theater company was shakespeare both a stockholder and an actor
Large ice crystals in frozen food product are often an indication that the food product has undergone:
Large ice crystals in frozen food products are often an indication of slow freezing. Slow freezing can result in cellular damage and affect the overall quality of the food product.
Large ice crystals in frozen food products are often an indication that the food product has undergone slow freezing. Slow freezing occurs when the temperature is gradually reduced, causing the formation of large ice crystals. Rapid freezing, on the other hand, results in smaller ice crystals.
Slow freezing can affect the quality of the food product by causing cellular damage, affecting texture and taste. To prevent the formation of large ice crystals, it is recommended to freeze food products quickly at very low temperatures.
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