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Amount of risk you assume in an insurance policy The process by which employees obtain nonforfeitable rights to their retirement benefits that cannot be taken away in case of dismissal or resignation is called A Federal health insurance program (generally) for those 65 and older The collection of securities and other investments owned by a mutual fund is called a(n) Dieing without a will A legal process that declares a will valid and ensures the orderly distribution of esta assets Can allow an estate to avoid probate The person named in a will who identifies assets, collects any money due, pays debts, liquidates assets, files final income tax and estate tax returns, and with the permission distributes the balance of any remaining money and property to the beneficiaries is the