In a perfect market, investors are only concerned with total returns and are not concerned whether

it is in capital gains or dividend income.

Indicate whether the statement is true or false

TRUE

Business

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None of the following needs to be licensed as an insurance consultant EXCEPT:

A) actuaries during the normal course of their business. B) licensed agents who give advice incidental to the normal course of their business and do not charge a fee, but who receive commissions for the insurance they write. C) bank trust officers performing their usual duties. D) persons who, for a fee, offer advice and service with respect to insurable risks.

Business

An elimination (waiting) period is an example of a(n)

A) exclusion. B) deductible. C) other-insurance provision. D) coinsurance provision.

Business