Modes of knowledge conversion include each of the following except

Dan is 25, and he expects his income to increase over the next 10 years. Under the disability income insurance policy, he is considering, why might he add a guaranteed insurability rider?

A) The rider will allow him to increase his benefit amount every time his income increases. B) The rider will allow him to increase his benefit amount periodically without being required to show evidence of insurability. C) If he becomes disabled, the rider will pay benefits in addition to any Social Security benefits he might receive. D) The rider will increase his benefits to reflect increases in the cost of living.

Separate accounts business of a life insurance company represents

A. policies written that cover individuals as a group. B. liabilities owed to other life insurance companies as a result of reinsurance C. the cumulative cash value paid to policyholders if the policies are terminated before maturity. D. a fund established separately from the other funds of the insurance company and invested without regard to the usual diversification restrictions. E. the cumulative price that the company may repurchase policies from existing customers.