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Questions and Answers of
Corporate Finance
How do most Americans qualify for annuity payments?
What circumstances favor the purchase of a pure annuity over an annuity twenty-years-certain? What circumstances favor an annuity twenty-years-certain over a pure annuity?
Illustrate the difference between a joint-life annuity and a joint-and-survivor annuity.
Briefly explain the purpose of a variable annuity and the financial theory that underlies it.
Has the theory underlying variable annuities been proved right or wrong during the last several decades?
Describe a financial circumstance in which owning a variable annuity would not be a good idea.
What are the consequences of Stevie Ray withdrawing all his funds from an annuity as a lump sum of cash before liquidation?
Describe the exclusion ratio and its purpose.
Identify the three sources of funds used to pay annuity benefits.
Describe adverse selection with respect to an annuity. How is adverse selection related to the fact that the annuity mortality table shows lower mortality at any specified age than do life insurance
Define the following terms: single premium immediate annuity; single premium deferred annuity; and annual premium deferred annuity.
Give some reasons for and against purchasing a refund annuity.
How does a cash refund annuity differ from an installment-refund annuity?
Which will provide a larger monthly payment to a male annuitant age 65: an annuity, five years certain, or an installment-refund annuity? Assume the same amount of money is available for each
Why do some insurers treat female annuitants as if they were male annuitants of a younger age?
Describe a structured settlement. What is its purpose?
Compare the per capita cost spent on health care in the United States to other industrialized countries. Explain the differences across countries.
List five activities of daily living (ADLs) used in LTC insurance.
Define the terms custodial care, intermediate care, hospice, and skilled nursing facility.
Illness may cause two different types of monetary loss. What are they?
Identify two common definitions of disability used in health insurance.
Describe three important contractual provisions often found in health insurance policies.
Describe five standard clauses found in health insurance contracts.
Describe the differences in renewability provisions of health insurance contracts.
Define the term “pre-existing conditions.” How does time enter into this definition?
Compare the quality of health care in the United States to that of other countries.
Describe the difference in operations between an HMO and a PPO.
Permanent disability can be a more expensive peril than death. Explain why this is so.
Explain the purpose of long-term care insurance.
Define the term employee benefits and describe some of the benefits included in this category.
List three different approaches for determining a group life insurance benefit.
How is group term life insurance taxed while the insured is alive?
Most financial planners do not recommend that employees rely exclusively on group life insurance for family survivor death benefits. Explain their reasons.
What is an integrated group disability plan?
Give two different definitions of permanent disability.
Identify some expenses typically excluded by group health insurance contracts.
Describe the main reason for qualifying pension plans from the view of the employer.
Why is it important to learn about employee benefits?
Explain the difference between defined-benefit and defined-contribution pension plans.
List four requirements for qualifying a pension plan.
Describe three of the federal laws that apply to pension plans.
What is the general rule regarding the taxation of pension benefits?
Describe two important tax advantages accruing to people making IRA contributions. Why would an employee be willing to make a non-deductible contribution to an IRA?
Compare the tax advantages of the Roth IRA to the traditional IRA.
What is an IRA rollover?
How does the U.S. approach to providing society with economic security differ from other national governments’ approaches?
Describe the employer’s goals in offering employee benefits.
Why do employees prefer employee benefits to straight wage income?
What are two main objectives of federal employee-benefits legislation? Briefly describe how these purposes are achieved.
Describe the four basic requirements for a benefit plan to be qualified for tax benefits.
Explain some important characteristics of group insurance.
What is the connection between society that moves from an agricultural to an industrial base and the development of a social insurance system?
What role does general tax revenue pay in funding Social Security benefits?
What is an AIME? Describe what a PIA is.
Who is entitled to retirement benefits under the Social Security system? Who is entitled to survivor benefits? Disability benefits? Medicare benefits?
What is meant by the blackout period for Social Security benefits?
Identify the different types of benefits provided by the hospital insurance part of Medicare and by the supplementary medical insurance portion of the program. What are the deductible and
What problems will a declining birth rate and increasing longevity cause for the Social Security system?
Identify some solutions that have been offered to help maintain the Social Security OASDI system's solvency.
Who was Otto von Bismarck? What role did he play in the development of social insurance?
When was the Social Security Act passed? What was the political philosophy that determined its level of benefits, both initially and currently?
What aspects of Social Security are similar to a welfare program? How is Social Security different from public assistance?
List four similarities and differences between Social Security and private insurance.
What is FICA, and what role does it play in the Social Security program?
What is the maximum taxable wage?
Using the same factors that applied in the Shun brothers example, calculate the Social Security tax for Larry (earned wages of $60,000) Michael (earned salary of $2 million) and Sam (dividend income
Describe two major categories of insured status and their requirements.
Describe some causes of unemployment. Separate your list into causes beyond the worker’s control and those under the worker’s control. Can you identify some gray areas in the categorization of
Under our current workers’ compensation laws, are employers, employees, or consumers most likely to bear the costs of work-related injuries?
What was the fellow-servant rule? What role did it play in the development of workers’ compensation laws?
Why is workers’ compensation known as the exclusive remedy available to an injured worker?
List the five purposes of workers’ compensation laws as outlined by the National Commission on State Workmen’s Compensation Laws.
Identify three reasons an injured worker may be excluded from workers’ compensation coverage despite being injured while at work.
Identify the three general types of workers’ compensation benefits.
Describe the role insurance plays in distributing the cost of work-related injuries.
If an injured worker thinks the compensation for the injuries sustained is unfair, what course of action may be pursued to attempt to correct the problem?
Give an example of a permanent partial disability.
What alternatives are available to the government for dealing with unemployment?
What do Social Security, public assistance, and unemployment insurance have in common?
Explain why a downward cycle of unemployment is likely to develop without government action.
How does unemployment insurance help reverse the downward spiral of unemployment? Why is unemployment insurance called an automatic stabilizer?
What parts do the state and federal governments play in providing the unemployment insurance program?
Who do you think ultimately pays the cost for the unemployment insurance program?
Why does experience rating reverse the insurance transfer process? What is the explanation for experience rating in unemployment insurance?
What are the general provisions of state unemployment insurance programs?
What is the difference between real and personal property? Why is this difference important in insurance underwriting and pricing (rating)?
Explain the difference between extra expenses and continuing expenses in BI coverage.
Give some examples of a need for BI coverage from dependent properties.
What is a reporting form, and what purpose does it serve?
Describe the differences in setting premiums using schedule and class rating systems.
Describe the loss exposures insured by hull, cargo, and freight policies in ocean marine insurance.
Why is ocean marine coverage so broad in scope? What are the limits on ocean marine coverage with respect to losses not covered?
What factors are considered when insurers develop a rate for an ocean marine exposure?
What is the Nationwide Definition of marine insurance?
What kinds of property are covered by floater policies?
Briefly explain the format and content of the ISO Commercial Package Policy (CPP).
What is a bailment? Describe three bailments in which you have been involved.
Describe the difference between the annual transit policy and the motor truck cargo policy.
What is the difference between blanket and scheduled floaters?
Define the term collision.
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