interest-sensitive whole life policy
So far, the policies discussed all credit the cash value account with a guaranteed rate of interest. There are other types of policies that provide for the cash value to be credited varying rates of interest, based on what the insurance company is earning on the policies, or to earn returns that can be higher but are not guaranteed. These include interest-sensitive whole life and universal life, which are tied to interest rates, and variable whole life and variable universal life, which are tied to investment returns.

An interest-sensitive whole life policy is a whole life policy. Like an ordinary life policy:

Answers

Answer 1

An interest-sensitive whole life policy is a whole life policy. Like an ordinary life policy:

it has a fixed, level death benefit.it has premiums due at specified times, so the policy will lapse if they are not paid when due.the portion of premium in excess of the amount needed to pay claims and expenses is credited to the cash value account.

What is an interest-sensitive whole life policy?

This life policy differs from an ordinary whole life in that it has a guaranteed maximum premium and guaranteed minimum cash value based on a guaranteed minimum interest rate.

If current interest rate (interest rate being earned at the time of rate adjustment) exceeds the guaranteed minimum rate, then, the policyowner may have the excess interest added to the cash value or used to reduce premiums.

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Related Questions

Andrew believes that the united states is the most advanced nation in the world in terms of both political development and individual freedoms. What is the term for this sentiment?.

Answers

Exceptionalism is the term for this sentiment.

Exceptionalism is a shape of self-oriented questioning that often undermines ethical decision-making. Exceptionalism is in which one believes or acts as though one institution (or person) is exempt from following the regulations that everybody else needs to comply with or is immune from being judged by way of the same standards as others.

It can also signal the loss of life of the wonderful delusion of Western exceptionalism — the idea that the West, by some means, is certainly one-of-a-kind. For greater than a century and a half, we inheritors of the Anglo frontier-conquering spirit have desired desperately to believe that the West turned into a place aside.

Non-public Exceptionalism way that they [founders] see themselves as special and their outcomes are going to be out of doors the limits of every day”. It is the belief that you are not like other human beings.

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what are personal control beliefs? question 38 options: a) a form of psychosis associated with delusions of media influence often associated with substance use and serious mental illness b) a theory associated with eastern philosophy on the importance of transcendental meditation which are now attracting greater attention in the western world. c) the idea that the individual can dictate outcomes in a specific situation. d) the idea that life cannot be controlled in any way, shape or form and is set by conditions of historical circumstances completely out of our control. this is a theory associated with social and natural forms of determinism.

Answers

Personal control beliefs refers to  the degree to which you believe your performance in a situation depends on something you do.

Hence, option C is correct.

The degree to which a person feels in control of his or her own life—as opposed to believing that circumstances are the result of events outside one's control—is referred to as personal control.

baseline inquiry for a prospective study on activity among expectant mothers. People who believe they have control over their health behaviors are more likely to act in a healthy manner, which increases the likelihood that they will have positive health results. Positive control beliefs are linked to better health outcomes.

Personal control is a person's perception of how much power they have to influence positive outcomes and prevent negative ones.

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3. Florida (part of New Spain)

a. Hudson
b. Ponce de León
c. Cartier
d. Cabot

Answers

Answer:

b. Ponce de León

Explanation:

Spanish explorer who accompanied Columbus on his second trip in 1493; in 1513 he discovered Florida (Saint Augustine) while searching for the legendary Fountain of Youth (1460-1521)

To study inner sensations, images, and feelings, Edward Titchener engaged people in self-reflective
a. psychoanalysis.
b. introspection.
c. positive psychology.
d. spaced practice.

Answers

The correct answer is b. introspection.

To study inner sensations, images, and feelings, Edward Titchener engaged people in introspection. Introspection refers to the process of examining one's own thoughts and feelings.

Titchener believed that by engaging in introspection, people could gain insight into the workings of their own minds. He developed a method for conducting introspection in which participants were asked to describe their experiences in detail, such as the sensations they were feeling or the thoughts that were going through their heads. Through this process, Titchener hoped to gain a better understanding of the basic elements of human consciousness.
Introspection was a controversial method, with many critics arguing that it was subjective and unreliable. However, Titchener believed that with careful training, individuals could become skilled at introspection and provide valuable insights into their own experiences. Despite its limitations, introspection paved the way for later developments in psychology and helped to establish the field as a scientific discipline.
In summary, to study inner sensations, images, and feelings, Edward Titchener engaged people in introspection, a method that involved careful self-reflection and description of one's own experiences.

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The President’s role in international affairs has decreased since World War 2. True or false?

Answers

This is False!


I know

Answer:

I would say true.i feel like they don't do it as much! I hope this helps

Explanation:

(sae) should be reported to the local irb within what period of time after learning of the event?

Answers

The reporting of any unanticipated problems involving risks to human subjects (sae) must be reported to the local Institutional Review Board (IRB) within 10 calendar days of the investigator learning of the event. It is important for investigators to report any unanticipated problems as soon as possible in order to comply with federal regulations and protect the safety and welfare of research participants.

The IRB is responsible for ensuring that research involving human subjects is conducted in accordance with federal regulations. Specifically, IRBs are responsible for reviewing and approving research protocols before they can be implemented, and they are responsible for continuing review and oversight of an approved research project.

As such, the IRB must be made aware of any unanticipated problems that may arise in order to protect the welfare of the research participants and ensure the research is conducted according to the approved protocol. Reporting SAEs within 10 days is necessary to ensure the safety of the research participants and ensure compliance with federal regulations.

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PLEASE TELL ME THIS ANSWER​

PLEASE TELL ME THIS ANSWER

Answers

Answer:

I have no idea

Explanation:

What do the American Independent Party believe in?

Answers

Answer:

Explanation:

We believe in strict adherence to written law. We believe the Constitution is the contract America has with itself. Its willful distortion has led to the violation of our Tenth Amendment guaranteed right to limited government—which inevitably requires oppressive taxation.

We adhere strictly to the letter and spirit of the law. According to American Independent Party, the Constitution is the agreement that America has with itself. Because of its deliberate distortion, our promised right to a limited government.

What does independent entail in American politics?

According to many definitions, an independent voter is one who bases their choice of candidates on issues rather than political ideologies or partisanship; they are also typically not loyal to the same political party from election to election.

Similar to how every member of parliament does, they each represent an electorate, a state, or a territory. An independent may also submit their own legislation in addition to participating in the discussion of government measures that are brought before the Parliament.

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Why are the concurrent powers of the national and state governments necessary?

Answers

Answer:

Concurrent powers provide for the needs at each level of government in order to keep people safe, deter criminal activities, support the economy, and prevent and punish criminal behavior.

is the supreme Court influenced by popular opinion

Answers

Answer: Yes, the U.S. Supreme court is influenced by public/popular opinion. Hope this helps :)

What changes do you think needed to be made to the Articles of Confederation in order to have an effective government?

Answers

Answer:

The power to tax the states by the Federal government.

Explanation:

The articles of confederations provided the states government with somewhat stronger power compared to the central government. This made the central government had very little power to stop the states in case any of them did something that causing problems for other states.

On top of that, the central government also experience difficulties in obtaining funding to pay for proposed programs that created on national scale.

To fix it, Federal government need to possess the power to tax the states. This will allow the federal government to obtain the necessary budget to fund government programs and impose punishment to the states that were causing problems.

What is meant by civilization?​

Answers

Answer:

Explanation:

The development of a town culture is generally what is seen as the beginning of a civilization/ is a civilization

Is the stage of human social and cultural development and organization that is considered most advance

When you see a vehicle ahead approaching in the merge lane to your side, reduce the risk of collision by changing lanes. Create space to your side to allow the other driver a smooth merge without conflict.T/F

Answers

True. When you see a vehicle ahead approaching in the merge lane to your side, it is important to reduce the risk of collision by changing lanes.

This means that you should create space to your side to allow the other driver a smooth merge without conflict. Changing lanes allows you to put some distance between yourself and the merging vehicle, reducing the chances of a collision.

By creating space, you give the other driver enough room to merge smoothly and safely without having to make sudden maneuvers. It is important to always be aware of your surroundings when driving, and to anticipate potential hazards.

By changing lanes and creating space for merging vehicles, you can help reduce the risk of accidents and keep yourself and other drivers safe on the road. Remember, safe driving is not just about following traffic rules, it's also about being considerate of other drivers and their needs.

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One of your coworkers tells an ethnic joke. you do not object. your behavior is an example of _____ collusion

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The answer is silent collusion. This means an ethnic joke is told by a coworker. You make no objection. You are now an unspoken advocate for the stereotype.

Cooperation or agreement can foster prejudice. This can be called Collusion. different types of collusion are - silence, denial, active cooperation. When employees act as if prejudices do not exist, denial collusion occurs. whereas, when one coworker participates and exchanges ethnic jokes with another coworker, it is called active cooperation. Thus, collusion is a kind of behavior that do not support any kind of diversity that encourages tolerance towards different people.

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Henry I set up juries to deal with arguments over land. Over time, two kinds of juries developed in England. Name the two types of juries and explain each jury's purpose.

help fast!!!!

Answers

Answer:

trial juries, also known as petit juries, and grand juries

Explanation:

ifykyk

.____ PDPs will be offered across all 50 U.S. states and Washington, D.C.
A) Three
B) four C) five
D) six

Answers

Three PDPs, or Prescription Drug Plans, will be offered across all 50 U.S. states and Washington, D.C. The correct answer is A) Three.

These plans are provided by private insurance companies that are approved by Medicare, and they help cover the cost of prescription drugs for people enrolled in Medicare. The three PDPs are Basic, Enhanced, and Enhanced with Gap Coverage.

The Basic PDP offers a standard level of coverage for prescription drugs, while the Enhanced PDP offers more comprehensive coverage with lower out-of-pocket costs. The Enhanced with Gap Coverage PDP is similar to the Enhanced PDP, but it also covers the "donut hole" or coverage gap in Medicare Part D.

It's important for Medicare beneficiaries to carefully review their options and choose the plan that best fits their needs and budget. They can do this by using the Medicare Plan Finder tool on the official Medicare website or by working with a licensed insurance agent.

In summary, three PDPs will be offered across all 50 U.S. states and Washington, D.C. to help Medicare beneficiaries cover the cost of prescription drugs. These plans are provided by private insurance companies and include Basic, Enhanced, and Enhanced with Gap Coverage options. therefore The correct answer is A) Three.

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how long ago did the early man cross the bering land bridge into north america

Answers

Answer:

18,000 years ago.

Explanation:

a year before the full implementation of the aca (affordable care act) insurance mandate, surveyed americans reported the primary reason for not being insured was _______.

Answers

A year before the full implementation of the ACA (Affordable Care Act) insurance mandate, surveyed Americans reported the primary reason for not being insured was being too expensive.

The Affordable Care Act, often referred to as Obamacare, is a comprehensive healthcare reform law that was enacted in March 2010 to increase the number of Americans covered by health insurance.

The ACA has three key objectives: to make healthcare coverage more affordable, to expand the Medicaid program to cover more low-income Americans, and to provide access to healthcare coverage to those who have pre-existing conditions.

ACA also eliminates the lifetime and annual limits on health insurance coverage to provide more comprehensive coverage to Americans.

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What effect did Travis letter have on the Texas Revolution?

Answers

A fan of dramatic writing, Travis understood the power of words. He addressed his letter to “All Americans in the world” specifically to inflame their patriotic passions and rally them to his cause and that of Texas. In so doing, he transformed the Texas Revolution into an American fight for liberty against tyranny.

What is the structure of the legislative branch? How does the structure of the legislative branch
prove that the Constitution is the best/not the best form of government for America? Did the Great Compromise
solve the controversy between supporters of the Virginia Plan and those favoring the New Jersey Plan? What powers
did our Founding Fathers give to the Legislative Branch? How was this branch structured? Discuss specific details
about the legislative branch and be sure to say whether or not the Constitution is the best form of government.

Answers

Answer:

Some states wanted equal representation, but others wanted representation according to size of population.

Explanation:

hekpppp this is due tonight at 11:59pm (est)

hekpppp this is due tonight at 11:59pm (est)

Answers

1 - Political Animals: Republican Elephants, Progressive Party Bull Moose, Democratic Donkeys.

2 - Woodrow Wilson was the Donkey, or the Democratic Party, Taft was the Elephant, or the Republican Party, and Teddy was the Moose, or the Bull Moose Party. Since many individuals favored a Republican President at the time the votes were split and divided towards Taft and Teddy, because Teddy ran as the third party candidate. So the majority of the vote went to Woodrow Wilson.

How can care and efficiency be improved in the health sector? in dominican republic

Answers

Answer:

The Pan American Health Organization (PAHO) defines the healthcare system in the Dominican Republic as a social security model with guidance from the principles of universal coverage, compulsory enrollment, solidarity, comprehensiveness of care, a unified system, free choice and gradual implementation. In 2014, the Dominican Republic adopted a model of care based on the Primary Healthcare (PHC) strategy and the Integrated Health Service Delivery Network.

Sorry i cant give you a direct answer but hope this helps

Answer:

Healthcare mostly in Dominican Republic is among the most advanced in the Caribbean. Despite particularly notable recent advances, work still needs to be overhauled. Essential health care, based on proven, scientifically valid and socially acceptable techniques and materials, is made universally accessible to individuals and families and carers by providing equal opportunities to them at the cost that the community and the country can afford to maintain in a spirit of self-reliance and self-determination with every stage of their development.

Explanation:

Que destacaría en nuestra área natural protegida? - cual es la especie que resaltaría en nuestra área natural protegida? Cuáles son las características más resaltantes? - que recomiendas para su conservación?

Answers

La respuestas correctas a estas preguntas abiertas serían las siguientes.

Para responder la pregunta, primero elegiré un parque en una región específica, ya que la pregunta no hace mención a uno en particular. Yo elijo el Parque Nacional del Gran Cañón, en Arizona.

¿Qué destacaría en nuestra área natural protegida?

Destaca la gran extensión territorial de una de las maravillas naturales del mundo: el Gran Cañón. La cantidad de especies animales y la flora de la región es innumerable. Las vistas son increíbles, sobretodo por la mañana con la puesta del Sol, y por la tarde, cuando el Sol se mete.

Destacaríamos que en área existen hoteles de lujo para pasar la noche, pero también económicos sitios para poder acampar.

¿Cuál es la especie que resaltaría en nuestra área natural protegida?

Habría dos grandes especies dentro de la zona natural protegida: el oso negro y el coyote. Además de estas especies, existen muchos venados e incontables formas de reptiles como víboras y lagartijas.

¿Cuáles son las características  que más resaltan? ¿Qué recomiendas para su conservación?

Sin duda, las hermosas vistas desde alguno de los puntos de observación que ya están establecidos en diferentes zonas del parque. Cerca de estos puntos también existe un área muy grande para descanso delos visitantes, que incluye una tienda de souvenirs o recuerdos, baños y restaurante.

Es necesario que lleves tu cámara para que retrates las plantas endémicas y cactáceas del lugar, además de las hermosas vistas del cañón.

A 7.5 N force is applied to a football, generating an initial acceleration of 152m/s . Calculate the mass of the football.

Answers

Answer:

0.049 kg

Explanation:

The mass of the football can be found by using the formula

\(m = \frac{f}{a} \\ \)

f is the force

a is the acceleration

From the question we have

\(m = \frac{7.5}{152} \\ = 0.049342...\)

We have the final answer as

0.049 kg

Hope this helps you

Answer:

The mass of the football is 0.049 kgs.

Explanation:

\(f \: = 7.5\)

\(a \: = 152\)

We know,

[tex]f \: = \: ma\)

So,

\(m \: = \: \frac{f}{a} \)

\(m \: = \frac{7.5}{152} \)

\(m = 0.049\)

what is the primary countermeasure to social engineering?

Answers

Answer: 1. Educate employees on the risks and countermeasures. 2. Publish and enforce clearly-written security policies.

Explanation: Hope this helps!

Why was equal representation in the Articles of Confederation considered a weakness?

Answers

Equal representation was not in place at the time the Articles of Confederation were in force, hence the number of representatives in each house depended on the population of the state. This meant that larger states had a greater say in decision-making, which wasn't fair to smaller states.

The Congress was unable to enforce laws or levy taxes under the Articles of Confederation, which made it impossible for the new country to pay back its obligations from the Revolutionary War.

States of diverse sizes battled one another for representation in Congress. While tiny states campaigned for equal representation by State, large states preferred representation by population.

There was no taxing authority in Congress. Congress couldn't control domestic or international trade. The executive branch did not have the authority to enforce any legislation passed by Congress. Federal courts were not present.

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In 2-3 complete sentences, explain why North America was primarily Protestant, while Latin America became Catholic.

Answers

Answer:

The Americas were colonized by a number of powers based in Europe, and the politics of those mother nations was majorly impactful upon the residual "character" of North and Latin America. North America, which was predominantly colonized by the British, held on to the upheavals imparted upon religion by Henry VIII, whose break from the Catholic church allowed Protestantism to enter into England, and follow colonists into the New World. In Latin America, which was primarily colonized by Spain, Catholicism was predominant and the mission system was employed broadly to spread the faith amongst natives, which led to the modern prevalence of the Catholic denomination.


PLEASE PROVIDE CURRENT REFENCES WITH ACTIVE LINKS Aging
Population in Japan what is the impact to the country. PLEASE
PROVIDE REFERENCES

Answers

According to the World Bank report, Japan has the world's highest proportion of senior citizens, with one-third of its population aged 65 or older.

By 2030, this proportion is expected to increase to nearly 40%.The aging of Japan's population has a significant impact on the country. Due to the rapidly aging population, the country is experiencing a labor shortage, reduced consumer spending, and rising healthcare costs.

According to the Japan Times, it is estimated that the population of Japan will shrink by 16% between 2015 and 2040, and that the number of elderly people will exceed the number of young people.Aging Population in Japan - References:1. World Bank report2. Japan Times.

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when parking uphill with a curb, turn the front wheels the curb. true or false

Answers

False. When parking uphill with a curb, the front wheels should be turned away from the curb.

What is parking uphill curb ?This is so that the car wouldn't roll into the street if it started to roll forward because the front wheels would be up against the curb.There is a "crash zone" around the front of the car while parking with the wheels turned away from the curb, sometimes referred to as "wheels to the curb" or "hand to hand" parking. If the brakes fail, the car will roll back into this collision area rather than into the road, where it might hit other cars or people on foot.

When parking on a hill, it's crucial to remember to apply the parking brake in addition to rotating the wheels in either direction of the curb to keep the car safely in place.

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you are a prosecutor and are preparing for an upcoming trial. this is a case of arson, and the defendant is accused of setting fire to a barn, causing it to burn to the ground. you have an abundance of physical evidence that points to the defendant, but you also discover that a set of shoeprints found at the scene matches another person. this would be an example of:

Answers

As the prosecutor preparing for an upcoming trial of a defendant accused of arson, I would take into consideration any and all physical evidence available.

In this particular case, although there is an abundance of physical evidence that points to the defendant as the culprit responsible for setting fire to the barn, I have also discovered that a set of shoeprints found at the scene matches another person. This discovery would be an example of exculpatory evidence, which means evidence that could potentially prove the defendant's innocence. As a responsible prosecutor, I would investigate further to determine the identity of the person whose shoeprints match those found at the scene and consider whether this information could impact the case against the defendant.

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