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Questions and Answers of
Corporate Finance
Prepare a written or oral report on your findings and recommendations to Brad in detail.
What is the purpose of insurance? What is meant by the term liability? How can individuals benefit from insurance?
List and briefly discuss factors that will affect your auto insurance premium.
What is the intent of no fault insurance? How does no fault insurance generally work? What is a disadvantage of no fault insurance?
What steps should you take if you are in a car accident?
What is homeowner’s insurance? How the premiums are normally paid?
List and briefly describe the four packages of homeowner’s insurance that focus on insurance for the home.
Is personal property typically insured under a homeowner’s insurance policy? If so, are there limits to the coverage of personal property? What is a home inventory?
What is a personal property floater? What is the difference between scheduled and unscheduled floaters?
List and briefly describe some of the factors that affect homeowner’s insurance premiums.
What are some steps you could take to reduce your home owner’s insurance premium?
What is risk? What is risk management? How does insurance fit into risk management?
Describe the steps you would take to file a claim on your homeowner’s insurance.
How is renter’s insurance different from homeowner’s insurance? Who should consider purchasing renter’s insurance? Briefly describe some of the provisions of a renter’s insurance policy.
What is the purpose of an umbrella personal liability policy? Who might need one?
How can you determine the financial strength of an insurance company? Why is this important to you as a consumer?
You teach Personal Finance at a local community college. The state in which you teach requires proof of liability insurance in order to renew your license plates. During the discussion of this topic
What is the responsibility of the insurance company that sells you a policy? What is the relationship between insurance company claims and premiums paid by policyholders?
What is the role of insurance underwriters? What is the role of insurance agents? Define the two different types of insurance agents.
Describe the two components of liability coverage in an auto insurance policy.
What do policy limits of 25/ 50/ 25 mean? Do you think the minimum amounts of liability insurance required by your state are suitable for all drivers? Explain your answer.
Describe the two types of financial responsibility laws most states have. Are these laws always effective?
How does medical payments coverage under an auto insurance policy work? Why is medical payments coverage valuable even if you have a good health insurance plan?
Describe collision and comprehensive coverage. Is this type of coverage required by most states? Who may require this type of coverage?
Advise the Sampsons regarding their car insurance. Do they have enough insurance? Do they have too much insurance? How might they be able to reduce their premium?
Sharon has recently been in an accident that was caused by a drunk driver. The other driver did not receive a ticket for driving while intoxicated. Sharon is considering suing the other driver for
Do they have enough insurance? Do they have too much insurance? Is increasing their deductible well advised?
How do individuals benefit from having health insurance? Why has health insurance received a lot of attention recently?
What is a flexible spending account? Why do some individuals allocate a minimal amount to this account?
What is Medicare? Describe Parts A and B of Medicare.
Briefly describe the provisions of the Medicare Prescription Act.
What is Medicaid? How do individuals qualify for Medicaid?
What is the purpose of long term care insurance? What factors influence long term care insurance premiums? What factors should be considered when purchasing long term care insurance?
What are some other types of health insurance that might be offered by an employer?
What is the purpose of disability income insurance? Why might younger individuals consider purchasing disability insurance?
Briefly describe some of the sources of disability income insurance.
Briefly describe some of the provisions of disability income insurance.
What is private health insurance? Briefly describe some types of private health insurance coverage.
Briefly describe some of the significant features of the Affordable Care Act.
Who offers health insurance? Do employers offer health insurance?
Compare and contrast private health care fee for service plans and managed health care plans.
What are the advantages and disadvantages of this type of health care coverage?
What questions should you ask when considering an HMO or PPO?
What is a preferred provider organization (PPO)? How does it operate?
Compare and contrast the discount on charge arrangement and the per diem arrangement associated with PPOs.
Briefly describe two federal regulations intended to ensure that individuals can maintain continuous health care coverage if their employment status changes.
A PPO uses a discount on charge arrangement. Marie incurred total charges by a hospital of $ 20,000, and the percentage paid to the provider is 70%. Marie’s contract with the PPO specifies her co
Pete’s health insurance policy specifies that he should pay 30% of expenses associated with a long term illness, and he has a stop loss provision of $ 35,000 in his policy. If Pete incurs expenses
Christine’s total monthly expenses typically amount to $ 1,800. About $ 50 of these expenses are work related. Christine’s employer provides disability insurance coverage of $ 500 per month. How
Vera is an 85 year old widow and retiree from a large corporation. Her former employer recently changed the health care coverage for retirees to an HMO. Vera is having difficulty with her knees and
Make suggestions to the Sampsons regarding their health insurance. Do you think they should switch from the HMO to a PPO? Why or why not?
Do you think the Sampsons should purchase disability insurance? Why or why not?
Should the Sampsons purchase long term care insurance? Why or why not?
What is the purpose of life insurance? Do you think everyone needs life insurance? Explain.
Describe the income method to determine the amount of life insurance needed. What is the disadvantage of this method?
Discuss why life insurance needs should not be based on a family’s dreams for the future.
Describe the budget method to determine the amount of life insurance needed. What elements must be considered in making this calculation?
List and briefly discuss the factors that affect an individual’s life insurance premium.
Explain how use of the Internet can expedite the purchase of life insurance. Why do many customers prefer this method?
What are settlement options? Which option should you choose?
What is a lump sum settlement? What kind of beneficiary would benefit the most from this option?
What is an installment payments settlement? When would an insured individual choose this option?
What is the interest payments option? How does it differ from the installment payments option?
What is term insurance? What factors determine the premium for term insurance? What is decreasing term insurance?
What is mortgage life insurance? Is mortgage life insurance a good buy? Why or why not?
Briefly describe some of the term insurance options.
What is whole life insurance? What benefit does it provide that term life insurance does not?
Describe the non-forfeiture and loan clauses of whole life insurance policies.
Why is the premium paid for whole life higher than the premium for term life? What alternative approach to purchasing life insurance might provide the same benefits as whole life?
What is universal life insurance? How does it differ from term life and whole life?
What is variable life insurance? What are the advantages and disadvantages of variable life policies? How can individuals avoid the high fees of variable life insurance?
Nancy is a widow with two teenage children. Nancy’s gross income is $ 3,000 per month, and taxes take about 30% of her income. Using the income method, Nancy calculates she will need to purchase
Nancy’s employer provides her with two times her annual gross salary in life insurance. How much additional insurance should Nancy purchase based on the information in the previous problem?
Peter is married and has two children. He wants to be sure that he has sufficient life insurance to take care of his family if he dies. Peter’s wife is a homemaker but attends college part time
Marty and Mary have jobs and contribute to the household expenses according to their income. Marty contributes 75% of the expenses and Mary contributes 25%. Currently, their household expenses are $
Considering the information in the previous problem, how much life insurance should they purchase for Mary?
Bart is a college student. Since his plan is to get a job immediately after graduation, he determines that he will need about $ 250,000 in life insurance to provide for his future wife and children
Shortly after Steve graduated from college, he considered a whole life insurance policy that would provide $ 10,000 in life insurance protection and accumulate a cash value of twice his current
Determine the present value of the insurance benefits that could provide $ 40,000 over the next 15 years for the Sampson family. Assume that the insurance payment could be invested to earn 6%
Considering the insurance benefits needed to provide $ 40,000 over the next 15 years, plus the additional $ 330,000 of insurance coverage, what amount of insurance coverage is needed?
Since he only smokes occasionally, he would like to omit this information from his life insurance application. Advise Dave on this course of action.
Regarding Brad’s auto insurance decision, comment on the following: a. His plan to add different types of coverage to his auto insurance policyb. The associated costs of adding different types of
What determines whether renter’s insurance is appropriate for Brad?
Describe to Brad how he could benefit from a PPO. Are there any negative factors Brad needs to know about if he seriously considers switching to a PPO? Consider Brad’s cash flow situation from the
Concerning Brad’s life insurance decision, comment on the following: a. His need for life insuranceb. If you think he needs life insurance, is whole life his best choice?c. His plan to use the
What should your first priority of investing be? What is the disadvantage of investments that satisfy that priority?
How do mutual funds operate? Who manages mutual funds? How are coupon or dividend payments handled by the mutual fund? Can investors incur capital losses with mutual funds?
In what geographic areas is the price of land relatively high? What components make up the return from investing in real estate?
What is the formula for estimating returns on dividend paying stocks? Describe each element of the formula. How do you calculate the dollar amount of your returns?
What is the difference in tax rates on long term versus short term capital gains?
How can investments in stock increase your wealth? How would you calculate the value of a stock investment of a single sum over time? How would you calculate the value of a stock investment of a
Define the risk of an investment. What types of firms are particularly risky?
Why do investors measure risk? Describe the two common measures of risk.
What is the return risk trade off? What types of stock investments are particularly tempting for stock investors? What other factors must individual investors consider before making this type of
Describe the return risk trade offs among bonds, mutual funds, and real estate investments.
How can you limit your risk through diversification?
What are stocks? How are stocks beneficial to corporations? Why do investors invest in stocks?
Describe common investment mistakes made by individuals.
Classify and describe the two types of investors. What are day traders?
How do shareholders earn returns from investing in stocks? How is the market value of a firm determined? What determines the market price of a stock?
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