All of the following are exempted from the replacement rule EXCEPT:

A) application to exercise contractual changes or privileges in existing policies.
B) individual life insurance policies.
C) group annuities.
D) credit life insurance.

Ans: B) individual life insurance policies.

Business

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________ has always worked hard to design products that can be shipped flat to achieve high volume and weight density during transportation. As a result, the company not only lowers its transportation costs, it also reduces emissions and energy use

A) Walmart B) IKEA C) 3M D) Procter & Gamble

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In the lending/borrowing process, a financial intermediary function is to bear the risk that the borrower will not repay

Indicate whether the statement is true or false.

Business