According to the Americans with Disabilities Act, during the hiring process, employers can ask about one's ability to perform a job but cannot inquire as to whether an applicant has a disability

Which of the following statements about variable universal life insurance is NOT correct?

A) It allows the insured to make withdrawals or to borrow from the policy during the insured's lifetime. B) It guarantees a minimum cash value in the investment account. C) It offers flexibility in premium payments and face amounts dependent on investment performance. D) It pays a death benefit to a named beneficiary and offers the insured tax-deferred cash value investment options."

The human element is an important factor in every system of internal control.

a. true b. false