1.

The cash value is the :

a) income stream for the policy owner.

b) portion of the premium that is invested by the insurance company on behalf of the policy owner

c) insurance related expenses incurred by life insurance company

d) investment option for beneficaries

2.

Stocks that deliver large dividendsare:(Select the best answerbelow.)

A.

large-cap stocks.

B.

growth stocks.

C.

small-cap stocks.

D.

income stocks.

3.

Who should consider purchasingtenant's insurance?

A.

All tenants should purchasetenant's insurance, if only for the burglary protection.

B.

All tenants should purchasetenant's insurance, if only for the liability protection.

C.

Only tenants with a lease should purchasetenant's insurance.

D.

Only tenants without a lease should purchasetenant's insurance.

4.

Since it is difficult to predict economic conditions and determine how different types of investments will perform in a givenperiod, it may be better to base your asset allocation decisionson:(Select the best answerbelow.)

A.

your stage in life and degree of risk tolerance.

B.

the advice of your banker.

C.

the assets offered by your broker.

D.

your instincts.