Competitive pressures assumes that the greater the reward or the smaller the penalty for unethical acts, the greater is the probability that such behavior will occur

Which of the following statements about the change of plan provision in a life insurance contract is (are) true?

I. A change to a lower premium policy results in a refund of the difference in the cash values of the two policies. II. A change to a higher premium policy requires evidence of insurability. A) I only B) II only C) both I and II D) neither I nor II

Which of the following is an example of a tangible asset?

A) bonds B) mutual funds C) real estate D) stocks