How do benefit payments fluctuate over time in a variable life annuity?
a. benefit payments stay fixed
b. reflects changes in the market value of assets in a separate account
c. annuitant controls any benefit payment changes
d. any benefit payment fluctuations have to be approved in writing by the owner
Answers
Benefit payments in a variable life annuity fluctuate over time based on changes in the market value of assets in a separate account. Therefore, option b is correct.
In a variable life annuity, the benefit payments are not fixed but instead vary depending on the performance of the underlying investments in a separate account. The annuity contract is linked to investment funds, often referred to as separate accounts, which consist of various investment options such as stocks, bonds, or mutual funds.
The value of the separate account is directly impacted by the performance of these investments. If the investments perform well and increase in value, the value of the separate account will also increase. As a result, the benefit payments received by the annuitant will be higher.
Conversely, if the investments in the separate account perform poorly and decrease in value, the value of the separate account will decrease. In such cases, the benefit payments received by the annuitant will be lower.
The fluctuations in benefit payments are directly tied to the market performance of the investments in the separate account. Therefore, the annuitant bears the investment risk, and the amount of benefit payments can vary over time.
In a variable life annuity, benefit payments are not fixed but instead fluctuate based on changes in the market value of assets in a separate account. The performance of the underlying investments directly impacts the value of the separate account and, subsequently, the amount of benefit payments received by the annuitant.
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Related Questions
Unlike non-marketing-controlled information sources, marketing-controlled information sources _______.
Answers
Answer: The answer is ( Include mass media advertising)
Explanation:
If carlita's manager asks her to write something for a client, what's the best question to ask to determine the purpose of the communication? question 1 options: a. how long should it be? b. what does the communication need to accomplish? c. are you sending the communication as an email or letter? d. where is the client located?
Answers
Option (b), What must be accomplished through communication? if Carlita's management requests her to draft something for a client determining the communication's goal required asking the right question.
What three things are the purposes of communication?In both personal and professional settings, communication is largely used to inform, convince, inspire, motivate, build connections, learn, and find inspiration as well as to self-promote and socialize.
Why does communication matter?By enabling us to connect with others and share our needs and experiences, communication promotes the development of relationships in daily life. The ability to think, learn, and express one's emotions is the essence of existence. We must all exchange information.
Why does communication require a process?A message or information must be conveyed from the sender to the destination over a designated channel while avoiding impediments that slow down the process. This is known as the act of communicating. The sender initiates communication, which is a continuous process that ends with the sender by way of feedback.
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Identify the ways in which lower of cost or market can be applied to merchandise inventory. (Check all that apply.)
Answers
The ways in which the lower of cost or market can be applied to merchandise inventory include the Replacement Cost method, NRV method, and NRV less profit method. These methods help determine the lower value between cost and market price to report the inventory value accurately.
The ways in which lower of cost or market can be applied to merchandise inventory are :-
1. Replacement cost method:This method considers the cost of the inventory at which the company could replace it today.
Companies could use a company’s cost of buying the product or an external market price for the same inventory. Whichever is lower becomes the value of the inventory.
2. NRV method:The net realizable value (NRV) is calculated by taking the market value of the inventory and subtracting any necessary selling costs.
The selling cost could include any transportation, delivery, or additional work needed to sell the inventory.
The NRV will be compared to the current cost of the inventory and whichever is the lower value becomes the inventory value.
3. NRV less profit method:This is similar to NRV method but in this method a profit margin is added to the NRV and subtracted from the inventory value.
This method is generally used when the profit margin is included in the inventory’s sales price.
In this way, the lower of cost or market method could be applied to merchandise inventory by choosing the method that is appropriate for the company's needs and then applying it consistently.
The most common methods are Replacement Cost, Net Realizable Value, and Net Realizable Value less Profit.
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Arbitration Eddie Howard and Shane D. Schneider worked as employees of Nitro-Lift the United States, 2012) Technologies, L.L.C. Howard and Schneider entered into a noncompetition agreement with Nitro Lift whereby they agreed that they would not work for a competitor of Nitro-Lift's for a stated period of time after they left Nitro-Lift's employment. The agreement contained an arbitration clause wherein the parties agreed to submit any contract dispute to arbitration. When Howard and Schneider quit their jobs and began working for Nitro-Lift's competitors, Nitro-Lift served the two men with a demand for arbitration to enforce the noncompetition agreement. Howard and Schneider filed a lawsuit in Oklahoma state court asking the court to declare the noncompetition agreement null and void. The supreme court of Oklahoma held that the state court and not an arbitrator should hear and decide the dispute. Defendant Nitro-Lift appealed to the U.S. Supreme Court. Is the contract dispute between the plaintiffs and defendant subject to arbitration? Nitro-Lift Technologies, LLC. v. Howard, 568 U.S. 17, 133 S.Ct. 500, 2012 U.S. Lexis 8897 (Supreme Court of the United States,2012)Business Law Henry cheeseman 11ed
Answers
Yes, the contract dispute between the plaintiffs (Eddie Howard and Shane D. Schneider) and the defendant (Nitro-Lift Technologies, L.L.C.) is subject to arbitration.
The case Nitro-Lift Technologies, LLC. v. Howard reached the U.S. Supreme Court, where the issue was whether the arbitration clause in the noncompetition agreement should be enforced. The Supreme Court's decision was in favor of arbitration.
The Supreme Court held that the Federal Arbitration Act (FAA) establishes a strong federal policy favoring arbitration. Under the FAA, arbitration agreements are generally valid and enforceable, and courts must enforce them according to their terms. The Court emphasized that the state court's refusal to enforce the arbitration clause conflicted with the FAA's mandate and was therefore preempted.
In this case, Howard and Schneider had entered into a noncompetition agreement with Nitro-Lift, which contained an arbitration clause. Nitro-Lift served the two men with a demand for arbitration to enforce the noncompetition agreement. However, Howard and Schneider filed a lawsuit in Oklahoma state court instead, seeking to have the noncompetition agreement declared null and void.
The U.S. Supreme Court ruled that the contract dispute should be subject to arbitration, as agreed upon by the parties in the arbitration clause. The state court's decision to hear and decide the dispute was inconsistent with the FAA's strong policy in favor of arbitration.
The contract dispute between Eddie Howard, Shane D. Schneider, and Nitro-Lift Technologies, L.L.C. is subject to arbitration. The U.S. Supreme Court held that the arbitration clause in the noncompetition agreement should be enforced, as it aligns with the strong federal policy in favor of arbitration established by the Federal Arbitration Act.
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Jamie is researching places to live after graduating college he asked you I keep coming across as phrase cost-of-living I’ve never heard of it before do you know what it means which of the following definitions would you choose to explain to Jamie about cost-of-living means
Answers
Answer:
The cost of living refers to the prices of goods and services needed to sustain an average level standard of living in an area
Explanation:
The cost of living refers to the cost of keeping up with a given standard of living. It is the amount Jamie would need to keep up with basic expenses such as food, housing, clothing and medical care. Cost of living compares the expense between living in two different areas. Jamie's cost of living is tied to his wages and it can be measured using what is called purchasing power parity.
complete the template below to help you plan out your letter
my product it’s a custom can of Pringle’s and I made the flavor of Pringle’s popcorn
I. Paragraph one- Introduction
1. (introduce yourself and explain your experience related to the product) _____________________________________________________________________
2. (explain why you are writing) _____________________________________________________________________
3. (briefly describe your food product and name for your food) _____________________________________________________________________
II. Paragraph two- Describe your Food Product
1. ( describe the flavors, ingredients, texture) _____________________________________________________________________
2. (what does your food look like) _____________________________________________________________________
3. (how is your food unique – what makes it different than other products out there) _____________________________________________________________________
III. Paragraph three- Describe the Packaging
1. (describe the colors in your packaging )____________________________________________________________
2. (describe any images, art, or photos on the package) _____________________________________________________________________
3. (describe the size and materials used in the package) ______________________________________________
IV. Paragraph four- Convince The Company
1. (describe the target population who will buy the food (ex. Moms, diabetics, vegetarians, teens) _____________________________________________________________________
2. (why should they make and market your food?)________________________________________
_______________________
3. (how much will you sell your food for? Sold individually or in larger quantities?) _____________________________________________________________________
V. Paragraph five- Conclusion
1. (Tell what you want the company to do) ______________________________________________
_____________________________________________________________________
2. (Restate what makes your food delicious) ____________________________________________
_______________________
3. (Restate what makes your food unique) ______________________________________________
_______________________
Answers
Answer:
Paragraph 1-
Introducing myself-
1.)
Hey, my name is... and I absoultey *love* Pringles, my favorite flavor is...because...(explain here<why you love that flavor and what you like most about it)...*add things about you and pringles to make the paragraph complete*
2.)
I have made such an outstanding flavor of Pringles, it is made of the most loved food by every human on Earth, POPCORN!
I can assure you that you will want to try my product by the time my presentation has come to an end, and boy-oh-boy do I want to as well!
3.)
Pringles are amazing. Though how would you love Popcorn Pringles? Huh, you do? Yup, I bet your pupils dilated and I got your taste buds alert!
4.)
What does my product contain? It consists of the delicious flavor of popcorn and (include your ingredients and texture of food)
5.)
What do my simple yet intricate Pringles look like? They look like *add your answer,
Any questions that have to do with describing your product would be up to you since I don't have the slightest idea of what it looks like...**
Convincing the Company-
You are looking at consumers from various categories starting from Children ranging to Elders. Vegetarians to Carnivores. I guarantee this will also include popcorn dislikers.
Why should they make the market?
Simply because they are tasty and different...all you see now is Pizza flavored Pizza, BBQ flavored brisket, Soy sauce flavored noodles. My product will be an attraction to all stores! Popcorn flavored Pringles, I mean are you kidding me, its genius, and anyone who thinks otherwise is someone who has not tried them.
How much will I sell it for?
*add your answer* Why? The reasons being, I want my product to be available to everyone.
What I want the company to do is...add your answer
The simple thought of a taste of a popcorn flavored on a Pringle makes me want to jump on a pogo stick and complete a world record!!!
The uniqueness is simple noone has made Popcorn flavored pringles and.. *add another statement on why your product is unique*
I DID MOST OF THE QUESTIONS FOR YOUR SLIDES, I HOPE THIS HELPED YOU AND MADE YOUR ASSIGNMENT EASIER FOR YOU :)
I KNOW HOW IT FEELS TO HAVE A PROJECT DUE AND POSTING IT AND FOR NONE TO HELP YOU OUT, THATS WHY I ANSWERED, THIS IS MY TROLL ACCOUNT BUT THANK ME ON MY OTHER ACCOUNT SamHdzBxby.
Your Welcome :)
100 points please help. let’s say eur/usd is trading at=1.1872. So if I have a forex account worth 100$ and I use a leverage of 1:100 I have 10000$ of buying power so if buy a mini lot of eur/usd. Do I only need to pay 10k or the quote price which would be 11872$ that I need to pay?
Answers
Answer:
With 100:1 leverage a trader can open a position 100 times greater than they could without leverage. For example, if the cost to purchase . 01 lots of EUR/USD is normally $1000 and the broker offers 100:1 leverage, then the trader must put up only $10 as margin.
Explanation:
what is the difference between the preservation and installment
Answers
Answer:
Credit sales are typically of shorter duration and installment sales spread payments out over longer periods of time
Explanation:
please mark my answer as brainlist
Answer:
Explanation: An installment agreement requires the buyer of real estate to pay the seller the purchase price in installments over time; the buyer takes immediate possession of the property but the seller retains legal title as security until the buyer pays in full. An installment agreement can be a low-cost, flexible alternative to a traditional mortgage loan.
When the price of chocolate chip cookies increased to $3 per package, Samantha began to buy oatmeal cookies
instead. This situation is an example of the
The supply curve slopes upward because at a higher price, producers have
to produce more.
The price of shirts declines dramatically. Javier now feels richer and buys more shirts than he normally would. This
situation is an example of the
Answers
substitution effect The supply curve slopes upward because at a higher price, producers have an incentive to produce more.
Answer: Here go the right answer and I got it right
Explanation:
When the price of chocolate chip cookies increased to $3 per package, Samantha began to buy oatmeal cookies instead. This situation is an example of the substitution effect.
The supply curve slopes upward because at a higher price, producers have an incentive to produce more.
The price of shirts declines dramatically. Javier now feels richer and buys more shirts than he normally would. This situation is an example of the
income effect.
1. ____ includes studying what people want and designing a product's packaging
A.Marketing
B.Management
2.Shopping at Walmart and paying cash for your purchases is a marketing strategy called ____
A.Promotion
B.Pricing
Answers
2. pricing
if antitrust laws did not prohibit efforts to restrict competition in markets, then
Answers
If antitrust laws did not prohibit efforts to restrict competition in markets, then the companies would have monopolistic powers. This would result in harm to consumers and unfair business practices.
If antitrust laws did not prohibit efforts to restrict competition in markets, monopolies would be formed, and businesses would become unfair and less competitive, and this would ultimately lead to consumer harm and unfair business practices.
Antitrust laws are designed to regulate and prohibit anti-competitive business activities, including attempts to create a monopoly. If antitrust laws did not prohibit efforts to restrict competition in markets, then businesses could become monopolies and exercise greater control over the markets, which would result in less competition and innovation in the industry. With less competition, businesses would not be compelled to reduce prices or improve quality, ultimately harming consumers and leading to unfair business practices
.For instance, if a company is the only producer of a product or service and there is no competition, then they would be free to set whatever prices they want, without regard for consumers or market competition. This would lead to higher prices for the consumers and lower-quality products since the company would have no motivation to improve its products or lower prices in the face of no competition. Moreover, they could engage in unfair practices such as price fixing, collusion, and discriminatory pricing. Therefore, antitrust laws are essential to ensure a level playing field for businesses and to protect consumers from monopolies and unfair business practices.
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Place the steps in order for inserting a video link into a document.
Place the cursor at the
insertion point
Click the Online Video
button
Preview the video before
saving the document
Click Insert tab
Search for and select the
video
Answers
Choose Online Video from the ribbon's Insert tab. Insert the URL you copied in step 2 into the Insert Video dialog box. Choose Insert.
What actions are required to add a hyperlink to a document?Make a link to a specific web page.
The text or image that you want to appear as a hyperlink should be selected. Input Ctrl+K. You may also choose Link from the shortcut menu by right-clicking the text or image and selecting it.
What is the best way to add a video to a Word document?
Add a video, sound, or movie to Microsoft Word, PowerPoint, or Excel.
Click Object from the Insert menu, then select the Create from File tab.
Locate the movie (or sound wave) you wish to insert by clicking Browse and then browsing.
Choose a movie (video clip or sound wave)
Press Insert.
Double-click a media file's icon to start playing it.
Select OK.
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a company estimates that warranty expense will be 2% of sales. the company's sales for the current period are $146,000. the current period's entry to record the warranty expense is: multiple choice debit estimated warranty liability $2,920; credit cash $2,920. debit warranty expense $2,920; credit sales $2,920. no entry is recorded until the items are returned for warranty repairs. debit estimated warranty liability $7,960; credit warranty expense $7,960. debit warranty expense $2,920; credit estimated warranty liability $2,920.
Answers
Debit warranty expense is $5,380. the company estimated warranty liability of $5380.
Estimated Corporate Expenses means the sum of (i) corporate expenses incurred prior to the filing date of the Estimated Closing Balance Sheet and (ii) a reasonable estimate of corporate expenses incurred after that date.
Estimated cost is a projection of the cost that will be incurred to build a product or to build something. This amount is derived as part of the internal project capital budgeting process or as part of the analysis.
When you're dealing with the information presented in a clustered frequency table, you don't know all the values, so you can't calculate the actual average. Instead, we do our best to estimate the mean.
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Sustainability, health and wellness, and how to more efficiently utilize and distribute food are all considered political trends. True False
Answers
It is a false statement that sustainability, health wellness and distribution of food are all considered political trend.
What is a political trend?These are trends that influenced consumer views and behavior with the new arount the world of politics that always keep viewer interests.
Fir insatance, the trends about Russian war is an example of political trend because it is strictly on politics.
Therefore, It is a false statement that sustainability, health wellness and distribution of food are all considered political trend.
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Phil and Jake are 16 and 14 years old respectively, $9150 isshared between them in the ratio of their age , how much does Phil get?
Answers
age ratio => Phil : Jake
16 : 14
( 16+14 = 30 ) units = $9150
1 unit = $9150 ÷ 30
16 units = ( 9150 ÷ 30 ) × 16
= $ 4880
Therefore, Phil gets $4880
What are the subjects of economics
Answers
Answer:
Econometrics.
Economic policy.
Legal studies.
Money and banking.
Global finance.
Economic history.
International trade.
Collective decisions.
Explanation:
I believe this is what you are asking for. Hope this is helpful :).
PLEASE HELP MEE 50 Pts
Question: What are the local, state, and federal taxes for a healthcare business?
Answers
Answer:
Is health care federal state or local?
The U.S. Department of Health and Human Services is the federal government's principal agency involved with health care services. The states cofund and administer their CHIP and Medicaid programs according to federal regulations. (goo gle)
Explanation:
hope this helps
Why might people choose to rent a home rather than buy a home? a. They have a lot of money saved for a down payment. b. The property maintenance is the owner's responsibility. c. The interest rates on equity are too high. d.They have a long-term commitment to the area.
Answers
Renting can be a more flexible option, allowing you to move more easily if you need to. There are several reasons why people may choose to rent a home rather than buy one.
One reason is that they may not have a lot of money saved for a down payment. Buying a home typically requires a significant down payment, and not everyone has the financial resources to make such a large payment. In contrast, renting a home typically requires a smaller upfront cost, such as a security deposit and first month's rent.
Another reason why people may choose to rent a home is that property maintenance is the owner's responsibility. When you rent a home, you are not responsible for repairs or maintenance on the property. This can be a major benefit for people who don't have the time or inclination to handle these tasks themselves.
In addition, people may choose to rent a home because the interest rates on equity are too high. If interest rates are high, it may not make financial sense to buy a home. Renting may be a better option in this situation, as it can be more affordable in the short term.
Finally, some people may choose to rent a home because they have a long-term commitment to the area. If you're not sure how long you will be living in an area, it may not make sense to buy a home. Renting can be a more flexible option, allowing you to move more easily if you need to.
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Suppose you have a collision involving another car with a single occupant, the driver. It is your fault. No one is seriously hurt, but the other driver chooses to go to the emergency room to be checked out. The medical cost is $1,500. The damage to your car is $3,000, And the damage to the other car is $6,000. You have the following minimum coverage:
Bodily injury liability coverage: $15,000 per person, $30,000 per accident
Property damage liability coverage: $5,000
No collision.
1. How much would your insurance pay and how much would you pay? Explain why.
Answers
Answer:
that would be crease
Explanation:
dsa
Cost of the asset: $100,000. Cost of the asset – Estimated salvage value: $100,000 – $20,000 = $80,000 total depreciable cost. Useful life of the asset: 5 years. Divide step (2) by step (3): $80,000 / 5 years = $16,000 annual depreciation amount
Answers
Depreciation is the process of allocating the cost of a tangible asset over its useful life. In this example, the asset has a cost of $100,000 and an estimated salvage value of $20,000.
This means that the total depreciable cost of the asset is $80,000 ($100,000 - $20,000).
The useful life of the asset is estimated to be 5 years. To calculate the annual depreciation amount, we need to divide the total depreciable cost by the useful life of the asset. Therefore, the annual depreciation amount would be $16,000 ($80,000 / 5 years).
This means that the company can deduct $16,000 from its taxable income each year for the next five years to account for the cost of the economy asset. The salvage value of $20,000 represents the estimated amount that the company will receive for the asset at the end of its useful life. This salvage value will reduce the amount of depreciation expense that the company can claim in the final year of the asset's useful life.
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A market supply schedule shows the relationship between
please!!!!!!
Answers
Answer: A supply schedule is a table that shows the quantity supplied at different prices in the market. A supply curve shows the relationship between quantity supplied and price on a graph.
Explanation: I HOPED THAT HELPED,!
what would happened is banking didnt exist? i really have no idea
Answers
Answer:
we wouldn't have loans to buy a house or a car. We wouldn't have paper money to buy the things we need. We wouldn't have cash machines to roll out paper money on demand from our account
Explanation:
Explain the tradeoffs involved in setting an ideal level of inventory for a
particular product. What are the costs if too much is maintained? What are
the costs if too little is maintained?
Answers
The more inventory a company holds, the more space is needed, and space costs money
Too little? Less money and less product being sold.
If you are interviewed by more than one person, you should send a thank-you note to _____.
each person in the interview
each person you see in the building
the first person you are introduced to
the person who is obviously leading the interview
Answers
Answer:
option A is correct.
i.e.
each person in the interview.
Explanation:
Because thank-you letter provides a simple but effective way to express gratitude to all the individuals you met with.
Filling out a payroll sheet. Someone please do this for me and order your answers like the questions (1-9)
A large part of a business’s operating expenses is made up of salaries and wages. Greg is planning to open the Doggie Daycare, a pet hotel. The shop will also offer pampering service. Much of the work will fall to him and his family, but he will also be hiring several other people. Some will work full-time and some part-time. Fill in the table to determine his operating expenses for wages and salaries. Pay particular attention to the number of hours and days Greg’s employees will work.
Answers
In order to calculate the operating expense of a business it is important to determine which task requires how much amount of funds.
To calculate the entire operating expenses for salaries and wages, sum together all employees' wages according to the given information,
= 600(Greg)+240 (Employee 1) + 150(Employee2)+540 (Employee 3) + 400(Employee4)
=2,440
The operational expenses for labor and pay are $2,440 according to Greg's weekly analysis. This information can be used to track and budget for these expenses while you run your business.
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Review the information in the chart with reasons for and against adding juice boxes to the high school lunch menu.A 2-column table with 3 rows. The 1st column is labeled In Favor of Adding Juice Boxes with entries Juice boxes are an alternative for students with dairy allergies, Juice boxes are an easy way to increase fruit offerings on the menu, and Juice boxes are made from recyclable materials. The 2nd column is labeled Against Adding Juice Boxes with entries The serving size of a juice box is insufficient for high school students, The cafeteria already offers three fruit options as side dishes, and blank.Which statement completes the chart
Answers
Answer:
D. Juice boxes contain too much sugar to be considered a nutritious fruit choice
Explanation:
bc it’s the only option against juice boxes
Answer:
D
Explanation:
Because logic... try it sometime
19. Which of the following is the basic purpose of a company's promotional mix:
A. To provide all product information
B. To influence consumers to purchase
C. To list the company's products
D. To reduce competitors' sales
Answers
Answer:
B. To influence consumers to purchase
Explanation:
TRUE / FALSE. the static budget should be used primarily to determine whether cost control is being maintained.
Answers
False.
The static budget is a budget that is prepared in advance and remains unchanged throughout the budget period, regardless of the actual level of activity or sales.
It serves as a benchmark for performance evaluation and provides a basis for comparison against actual results.
While the static budget can be used to assess cost control to some extent, its primary purpose is not to determine whether cost control is being maintained.
Instead, it is used to evaluate overall performance and identify variances between budgeted and actual results, which can help in assessing the effectiveness of cost control measures.
To specifically determine whether cost control is being maintained, a flexible budget is more appropriate.
A flexible budget adjusts the budgeted amounts based on the actual level of activity achieved.
By comparing the flexible budget with actual results, it becomes easier to determine if cost control is being maintained as it accounts for variations in activity levels.
Therefore, the statement that the static budget should be used primarily to determine whether cost control is being maintained is false.
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A few simple business questions, 50 points
Answers
Answer: Human resource Management
Explanation: In a buisness people wouldn't be able to mantain employess and recruit new ones without HRM.
What is the Congress or Legislative branch?
Answers
Answer:
The legislative branch is made up of the House and Senate, known collectively as the Congress. Among other powers, the legislative branch makes all laws, declares war, regulates interstate and foreign commerce and controls taxing and spending policies.
Explanation: