Question 5 2 pts Which of the following is the major advantage of term insurance relative to life insurance policies like whole life and universal life that build up cash values? No need for a physical examination when renewing Constant price across a person's lifetime Readily convertible to cash Provides a greater choice of investments Has lower initial premiums Question 6 2 pts Which of the following betas probably indicates a speculative stock that is more risky and volatile than a broad market index of similar investments? -1.0 2 pts Changes in the value (or price) of a bond correspond most closely to changes in which of the following economy-wide factors: Unemployment rate Interest rates Balance of trade with foreign countries Federal budget surplus or deficit Control of Congress by Democrats or Republicans 2 nts The commonly-cited Standard & Poor's stock market index is based on the performance of how many stocks: O 30 100 500 1000 3000