An insured has a terminal illness and needs access to 1/3 of his death benefit to pay mounting medical expenses. Which rider would meet the insured's current needs?

BankofAmerica is trading at 27/share. USBancorp is trading at 52/share. Which of the following may be deduced?

a) USBancorp is a larger company in terms of market capitalization. b) BankofAmerica is a larger company in terms of market cap. c) BankofAmerica is a smaller company in terms of assets d) BankofAmerica has more shares outstanding e) USBancorp is more profitable in terms of return on equity f) None of the above

Which function of the management process includes selecting employees, setting performance standards, and compensating employees?

A) organizing B) planning C) motivating D) staffing