16. Pro Rata way of settling a claim is to 17. The excess coverage that pays on an insurance policy is The amount after the underlying limits are exhausted and used up The larger amount after the deductible is paid The second insurance company to pay in a settlement Also referred to as the primary source of settlement 18. Primary life and health perils to a person are all except Living too long Dying to early Health issues - Loss of a job 19. Immediate financial needs associated with premature death are all below except 23. A financial needs approach to valuing how much life insurance a person might need might include all the following except Takes into account all the current life insurance and investments you might have now Itemizes the loans and debts you might have now Provides a good estimate of future needs your family might need Discounts high earning years and low earning years to arrive at an average 24. Factors that are contributing to the higher cost of health care are all the following except Increase in technology advancements Longevity of life I Health coverage your employer is paying Higher cost of drugs and medicines 25. How can you reduce the risk of rising health expenses and skilled care needs as you age