Discussion Assignment | Essay Help Services

Please Read the instructions carefully
You must complete this exam independently without assistance from any other individual except the instructor. Refer to the course syllabus for information regarding academic honesty. A grade of zero will be assigned to the exam in the event a student violates the university academic policy.
You are required to show all work leading to your final answers. You must also clearly explain and justify your solutions. Having the correct answer without adequate explanation/justification will result in an unsatisfactory grade. Further, you are required to write the answers in your own words. If you use any other source of information, be sure to reference and explain your answers appropriately. Do not “copy and paste” information from the textbook or any other sources including the web. Again, your grade is based on your own answers/explanations.Answer ALL 10 questions; total possible points = 100 points
1. Discuss the various ways that a whole life insurance policy holder can realize the cash value vested. (6 points)
2. Compare the characteristics of term life, whole life, universal life and variable life insurance policies in terms of cash value, availability of loans, premium payment schedule, interest rate on cash value, death benefits, fees/charges etc. (12 points)
3. What is a return of premium (ROP) term life insurance policy? Explain how a ROP policy works in relation to a regular term life insurance. (6 points)
4. Explain the concept of the buy-term and invest the difference (BTID) strategy regarding life insurance. You should be able to make specific reference to information contained in the Suze Orman videos (12 points)
5. Discuss the major taxation benefits regarding life annuity contracts. (10 points)
6. Jade turned 65 yesterday and purchased a joint and survivorship annuity (with her husband) immediate life annuity with the following two features:
a. 10-year period certain
b. Variable life/inflation guard

As the couple’s financial/insurance advisor, you were asked to go over details of the life annuity policy with the clients. Please thoroughly present the policy to the couple.
(12 points)
7. Discuss HMO and PPO health insurance policies, in terms of overall costs, market share, PCP, network(s), quality, etc. (12 points); you will earn up to 10-point bonus for providing specific and relevant reference to the two PBS Frontline videos in your discussion of the HMO/PPO framework.
8. Explain the major medical plan features of a PPO health plan. You are encouraged to provide hypothetical examples to strengthen your discussion. (12 points)
9. Discuss major workers’ compensation benefits available to injured workers in California.
(6 points)
10. How can employers finance their liability for workers’ compensation benefits in California? Explain the three methods we discussed in class. (12 points)

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