11) Vidual life insurance and is worried about the impact erage. Which of the following riders should 11) A young employee is buying individual life insurance a mnation will have on his life insurance coverage Which of the follow he consider? A) Waiver of premium disability benefit B) Accidental death benefit C) Guaranteed insurability option D) Cost-of-living protection E) Accelerated benefits 12) What is the most important part of an insurance agent's job? A) Sell you the highest level of coverage available. B) Collect premiums for the insurance contract. c) Convince you to buy the policy that will pay her the highest commission. D) Tell you why her product is better than the competitor's. 1) Help you select the proper kind of protection within your financial boundaries, 13) Which of the following is NOT a factor that affects the price a company charges for a life insurance policy? A) The policy features. B) The mortality rate it expects among its policyholders. The return on its investments. D) The company's cost of doing business. E) All of these affect the price. 14). 14) Which of the following allows an individual to receive a fixed amount of income over a certain period of time, or over his or her life? A) 401(k) B) Whole insurance C) Fixed annuity D) Term insurance E) Variable annuity 15) A primary reason for buying an annuities is for A) Term life insurance plans. B) Savings plans. C) Individual retirement accounts (IRAs). D) Certificates of deposit. E) Whole life insurance plans