Rick and Jana would like to accumulate $20,000 to take their dream vacation. They believe that they can afford to save $150 per month toward this goal. As a financial advisor, if you can invest these savings and earn an after-tax return of 5%, how long will it take Rick and Jana to accumulate the required funds? (Round to the nearest year.)

A) 8 years B)11 years C)30 years D) 9years

In disability income policies, the definition of disability that requires the inability to engage in any reasonable occupation for which insureds might be suited by education, experience, or training or for which they could easily become qualified is

A)the any occupation definition B)the Social Security definition C)the modified hybrid definition D) the own occupation definition