The overall response rate, average purchase amount, and sales volume by product category are _____ for direct marketers

How can the cash value accumulation in a straight whole life insurance policy be accessed while the insured is living and while keeping the coverage in force?

A) Through a cash value surrender B) Through a policy loan C) Through a dividend payment D) Through a partial cash value withdrawal"

Which of the following statements is true of liability cases in foreign countries?

A) In New Zealand, most claims for damages due to pain and suffering receive automatic compensation due to its Accident Compensation Act. B) U.S. manufacturers facing lawsuits in foreign countries are unlikely to be joined by foreign importers, retailers, and wholesalers. C) U.S. courts do not enforce the judgment rendered by a foreign court. D) U.S. manufacturers who sell their products abroad are not free from product liability considerations.