The Ninth Amendment to the U.S. Constitution states that the powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people

Which of the following is the largest and most powerful peak association in the United States?

A. The National Federation of Independent Businesses B. The National Association of Manufacturers C. The U.S. Chamber of Commerce D. The Business Roundtable

Which of the following best describes the basic purpose for the facility-of-payment clause found in some life insurance policies?

A) It requires the insurer to distribute the death benefit in a settlement option that it believes is best suited for the beneficiary's needs. B) It authorizes the insurer to designate the payee of the life insurance death benefits if the designated beneficiary cannot be located. C) It authorizes the insurer to distribute the life insurance death benefit as a lump-sum cash payment, even if the owner selected a different settlement option, if the death benefit is below a specified limit. D) It authorizes the insurer to change the beneficiary designation if the current beneficiary does not have an insurable interest in the insured."