A consumer who purchases the RealPlan product for the first time would most likely be engaging in a(n) ________ buying decision

The Americans with Disabilities Act (ADA) applies:

A. only to government employers and federal contractors. B. to all employers with 15 or more employees. C. only to employers who are open to the public. D. to all employers with 50 or more employees.

Lionel purchased a $200,000 ordinary life insurance policy when he was 25 years old and had significant life insurance needs

Now Lionel is 50. His mortgage is almost paid-off and his children have left home and are financially independent. Lionel no longer wants to pay premiums, but he would like to have some permanent life insurance in force. Which nonforfeiture option could Lionel employ to meet these objectives? A) cash value B) reduced paid-up insurance C) paid-up additions D) extended term insurance