Which of the following terms indicates the insured's right to change beneficiaries in a life insurance policy?

Which of the following best describes self-managed teams?

a. strict norms are established prior to formation b. a member of the team rises to the position of leadership c. supervisors take a backseat, but still provide guidance d. members take on the supervisor role and guide team actions

In selecting an advertising agency, all of the following issues should be taken into consideration except:

A) company organization. B) national responsiveness. C) area coverage. D) buyer perception. E) franchise or company owned status.