1. Anita is a recent college graduate who recently assumed a first job and purchased a new home. She is trying to decide between buying a 20-year term life policy and a whole life policy. Which would you choose? More importantly, why? Be specific in your response to demonstrate your understanding of these two types of life insurance. (4 points) 2. Define disability in two ways, then explain why the definition of the term "disability is important in disability income policies. Be specific. (4 points) 3. List three ways a worker can be disqualified from receiving unemployment benefits and provide an example to illustrate each reason for disqualification (6 points). 4. Why is the Affordable Care Act (ACA) controversial? Discuss/describe at least 2 reasons based on our conversation in class. Be specific. (4 points) 5. Explain two differences that exist between an HMO and a PPO (2 points)