An annuity in which payments are made at the beginning of each period is a(n):

The first step in the instructional design process is:

A. creating a learning environment. B. conducting a needs assessment. C. selecting training methods. D. ensuring employees' readiness for training.

The loss settlement under which of the following supports the principle of indemnity?

A) life insurance B) valued policies C) replacement cost property insurance D) actual cash value property insurance