Which of the FTC's Fair Information Practices (FIP) principles requires opt-in or opt-out policies to be in place?

The person who will receive the benefit of an annuity and whose life the payout is based upon when the contract is purchased is the:

A. policyowner B. annuitant C. beneficiary D. insured

Free cash flow calculations can be broken down into three parts: cash flows from operations, cash

flows associated with working-capital requirements, and financing cash flows relating to interest and dividend payments. Indicate whether the statement is true or false