1)

You own an annuity plan that gives you the freedom to change the amount of contributions, stop contributions, and resume them at will. This plan is called:

single premium deferred annuity.

single premium immediate annuity.

flexible premium deferred annuity.

accumulation annuity.

variable premium annuity.

2)

Carelessness or lack of concern can be categorized as a:

causal hazard.

collective hazard.

physical hazard.

morale hazard.

3)

The health savings account can be part of a health maintenance organization, preferred provider organization, or indemnity plan, as long as it has a:

100 percent reimbursement guarantee.

second surgical opinion provision.

stop-loss limit.

high deductible.

coordination of benefits provision.