BrainyPapers

AN ANNUITY THAT IS PURCHASED WITH A LUMP SUM PREMIUM AND WHOSE BENEFITS BEGIN AFTER 12 MONTHS IS CALLED A SINGLE PREMIUM DEFERRED ANNUITY A TECHNIQUE USED TO DETERMINE THE AMOUNT OF LIFE INSURANCE NEEDED BY FOCUSING ON THE PROJECTED EARNING POTENTIAL OF AN INSURED IS CALLED THE HUMAN LIFE VALUE APPROACH WHEN REPLACING A POLICY THE PRODUCER MUST PRESENT THE APPLICANT WITH A NOTICE REGARDING REPLACEMENT OF LIFE INSURANCE AT THE TIME OF TAKING THE APPLICATION THE POSSIBILITY OF A FINANCIAL...

Two methods of determining insurance need: - Human Life Approach - Needs Approach Human Life Value Approach~ - One of two ways of calculating insurance need. - By discounting estimated future income - Calculating the amount of life insurance a family will need based on the financial loss that they will suffer if the insured person were to pass away today - 10X salary - Based on age, gender, planned retirement age, occupation, annual wage, employment benefits, as well as the personal and ...

IT is illegal for a person 21 years of age or older to drive with a blood alcohol concentration that is __ OR higher. 0.08%- eight hundredths of one percent. You must notify Dmv Within 5 days if you: sell or transfer your vehicle To turn left from a one way street onto a one way street start from: The lane closest to the left curb. When is it legal to use a cell phone without a hands-free device while driving? When making a call for emergency assistance When you see this yellow sign you s...

before getting out of your parked car on the traffic side of the street, you should... ...check traffic approaching from behind. if you have a collision, the law requires you to exchange your driver license information with... ...others involved in the collision. You exit a freeway on a ramp that curves downhill. You should... ...slow to a safe speed before the curve. you are entering a freeway. You should check traffic by... ...checking all mirrors and turning your head. You are at a re...

You may drive off of the paved roadway to pass another vehicle Under no circumstances You are approaching a railroad crossing with no warning devices and are unable to see 400 feet down the tracks in one direction. The speed limit is: 15 mph When parking your vehicle parallel to the curb on a level street Your wheels must be within 18 inches of the curb When you are merging onto a freeway, you should be driving: At or near the same speed as the traffic on the freeway When in a fog, you sh...

hen driving in fog, snow, or rain, you should use your low beams there are five vehicles following closely behind you on a road with one lane in your direction. when you see this sign (slower traffic use turnouts) you should drive to the side of the road and stop in the designated area which of the following is true about large trucks? trucks often appear to travel slower due to their large size the california driver handbook recommends several tips to help you keep alert on long drives. ...

It is illegal for a person 21 years of age or older to drive with a blood alcohol concentration (BAC) that is ____ or higher. 0.08%, 8 hundredths of a percent. California's "Basic Speed Law" says you must: Never driver faster than is safe for current conditions. Driving under the influence of any medication which impairs your driving is permitted: ___________ Under no circumstances. You may drive a motor vehicle in a bike lane: No more than 200 feet before making a right turn. If your...

In the early 1900's _______ began leading the automobile exploration in the US automotive industry. a) Karl Benz b) Henry Ford c) Gottlieb Daimler d) None of the above Henry Ford Decreasing engine emissions through ___________ technology that not only protects the environment but also increases fuel efficiency may become the norm. a) fuel b) safety c) computer d) hybrid hybrid Because of automobile manufacturing an industry has been created to support and supply it. a) true b) fal...

It is illegal for a person 21 years of age or older to drive with a blood alcohol concentration (BAC) that is _____ or higher. 0.08% - Eight hundredths of one percent You must notify DMV within 5 days if you: Sell or transfer your vehicle When is it legal to use a cell phone without a hands-free device while driving? When making a call for emergency assistance Which of the following increases your chances of having a collision? Continually changing lanes to pass other vehicles At dawn or ...

Where are vehicle/motorcycle collisions most common? At intersections Before changing lanes to the left, what should you do? Check your left mirror and look to the left Which of the following statements is correct? a) Press left, lean right, go right b) Press left, lean left, go right b) Press left, lean left, go left b) Press left, lean left, go left If a car is merging onto the freeway directly in front of you on the right, and a car is directly to your left, what should you do to crea...