Which insurance company department determines the probability of loss and sets the premium rates?
a. sales
b. claims
c. actuarial
d. underwri
Answers
Actuarial department of Life insurance determines the probability of loss and sets the premium rates.
What is the actuarial department in insurance?
An insurance actuary deducts financial risk. They use mathematical, statistical, and financial modeling to analyse the chances that something may occur. Their analysis helps insurance companies frame insurance policies and programmes.
Why do insurance companies use actuaries?
“The use of the Actuary role is to ensure that the board has access to expert and impartial actuarial advice and revise , to assist with the sound and adequate management of an insurer and that the insurer gives accurate consideration to the protection of policyholder interests.
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Related Questions
the u.s. government agency that is responsible for regulating the process by which issuers raise capital is:
Answers
This same Securities and Exchange Commission (SEC) seems to be a federal watchdog organization in the United States tasked with policing the securities industry and safeguarding investors.
What function does an investor serve?An investor is somebody who invests money with the hope of making a profit or gaining an advantage in the future (interest). The majority of the time, the bank invests some kind of property using this assigned funds.
Why do investors buy securities?Investing is a successful approach to use your money and possibly increase your fortune. Your money may grow in value and outpace inflation if you make wise investment decisions. The force of compound and the trade-off between risk and return are the main reasons investment has a higher growth potential.
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True or False: Some financial professionals prefer as-reported data, because they like to apply their own standardization techniques.
Answers
Answer:
That is true as far as I can tell
Explanation:
As Reported Data is published at a daily frequency (regardless of the frequency of the underlying indicator) allowing correlations to be made easily between macroeconomic indicators and daily financial series
Find a company that has dramatically turned around its fortunes and improved its performance. Determine whether a transformational manager was behind the turnaround and, if one was, what this manager did. Answer in detail
Answers
One example of a company that has dramatically turned around its fortunes and improved its performance is Apple Inc. In the late 1990s, Apple was struggling and facing a decline in market share. However, under the leadership of Steve Jobs, a transformational manager, the company experienced a remarkable turnaround.
One of the key things that Steve Jobs did was to refocus the company on innovation and design. He introduced groundbreaking products such as the iMac, iPod, iPhone, and iPad, which revolutionized their respective industries. Jobs had a clear vision of creating products that were not only technologically advanced but also aesthetically pleasing and user-friendly.
Another significant step taken by Jobs was to streamline and simplify Apple's product line. He eliminated many redundant and underperforming products, focusing instead on a select few that had the potential for massive success. This allowed Apple to concentrate its resources and efforts on creating exceptional products that consumers would love.
Jobs also recognized the importance of creating a strong brand image for Apple. He emphasized the company's commitment to innovation, excellence, and simplicity, which resonated with customers worldwide. This strategic branding approach helped Apple differentiate itself from its competitors and attract a loyal customer base.
The dramatic turnaround of Apple Inc. can be attributed to the transformative leadership of Steve Jobs. His focus on innovation, design, product simplification, and branding played a vital role in improving the company's performance and restoring its fortunes.
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What are four industries within animal agriculture?
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Regarding resource typing, which of the following characteristics are typically use to categorize resources?A. LocationB. ColorC. Number availableD. Capability
Answers
Answer:
d
Explanation:
also because I do it lol
Cain Company reports net cash provided by operating activities of $35,000. It also reports the following information under “Adjustments to reconcile net income to net cash provided by operating activities” on its statement of cash flows (using the indirect method).
Answers
It can be seen from the solutions given that Cain's net income is $24,000.
Here is the solution:Net income = Net cash provided by operating activities - Adjustments
= $35,000 - $6,000 - $10,000 + $4,000 + $7,000 + $4,000
= $24,000
Therefore, Cain's net income is $24,000.
Here is a breakdown of the adjustments:
To determine cash flow from operations, it is necessary to include the gain on equipment sales in the net income as it is a non-cash entry.
A rise in accounts receivable implies that customers are prolonging payment of their invoices, resulting in decreased cash flow from the company's activities.
The depreciation expense is classified as a non-cash expense, hence it must be included in the calculation of cash from operations by adding it back to the net income.
A decrease in inventory indicates that the company is experiencing faster turnover of its inventory, leading to increased cash flow generated by its operations.
A rise in prepaid expenses denotes that the company is channeling more funds towards prepaid expenditures like insurance and rent, implying a reduced cash inflow from its operational activities.
A decline in the amount of wages that the company owes indicates that it is not promptly compensating its workforce. Consequently, this implies that the company's operational cash flow is reduced.
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when blue-ray disc players were first introduced to the market, what would the logical choice for promotion have been?
Answers
When Blue-ray disc players were first introduced to the market, the logical choice for promotion would have been to highlight their superior storage capacity and data transfer speeds compared to traditional DVDs.
To understand why Blue-ray disc players were such an improvement over traditional DVD players, we need to look at the fundamental differences between the two technologies.
DVDs use a red laser with a wavelength of around 650 nanometers to read and write data on the disc, while Blue-ray discs use a blue laser with a wavelength of around 405 nanometers. This difference in laser wavelength is key, as it allows for a much higher density of data to be stored on a Blue-ray disc.
The formula for diffraction, which governs the ability of a laser to focus on a small area, is given by:
D = λL / d
where D is the diameter of the laser spot, λ is the wavelength of the laser, L is the distance from the laser to the disc, and d is the diameter of the laser beam. From this formula, we can see that the smaller the wavelength of the laser, the smaller the diameter of the laser spot will be. This means that a blue laser can focus on a much smaller area of the disc than a red laser, allowing for much more data to be packed onto the disc.
In addition to the higher density of data, Blue-ray discs also have a higher data transfer rate than DVDs. This is because the faster rotation speed of the disc, combined with the higher data density, allows for more data to be read or written in a given amount of time.
The formula for data transfer rate is given by:
R = NsF
where R is the data transfer rate, N is the number of bits per sector, s is the number of sectors per second, and F is the error correction code overhead. From this formula, we can see that the higher the number of bits per sector and the higher the number of sectors per second, the higher the data transfer rate will be.
So, to summarize, when Blue-ray disc players were first introduced to the market, the logical choice for promotion would have been to highlight their superior storage capacity and data transfer speeds. The use of a blue laser with a smaller wavelength allowed for a higher density of data to be stored on the disc, while the faster rotation speed of the disc and higher data density allowed for a higher data transfer rate. These technical advantages made Blue-ray discs an attractive option for anyone looking to store or play high-quality video or other data-intensive media.
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When exports are greater than imports there is a favorable balance of trade.
-True
-False
Answers
hope that helps
What would be the best decision: To rent month-to-
month until you get a job, or to go ahead and sign a
lease for two years?
O Rent month to month.
O Sign the lease.
Answers
Answer:
Sign the lease.
Any person or entity who knows, or should have known, of the presentation of a false or fraudulent claim to the government for payment or approval is subject to.
Answers
When a person make a fraudulent claim to the government for payment it is called: the False Claims Act.
What is False Claims Act?The False Claim Act is law that found a person who intentional makes a false claim against government agency guilty.
This law states that no person should make a false claim as any person or individual who makes a fraudulent claim so as to defraud the government or present a false claim will be subjected by the court of law if found guilty.
Inconclusion fraudulent claim to the government for payment or approval is subject to: the False Claims Act.
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A budget deficit results when government outlays exceed its revenue. Please select the best answer from the choices provided T F.
Answers
A budget deficit results when government outlays exceed its revenue is true.
A budget deficit occurs when the government spends more money than it receives in revenue. It is usually the result of a combination of factors, including economic conditions, government policies, and unforeseen circumstances such as natural disasters or wars.
The government can finance a budget deficit in several ways, including borrowing from the public, selling Treasury bonds, or printing more money. However, each of these methods can have negative consequences, such as inflation, higher interest rates, and increased debt.
A budget deficit occurs when government spending exceeds revenue. It can be financed through borrowing, selling bonds, or printing money, but these methods can lead to negative consequences like inflation and increased debt.
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Emilio is photographing a series of hills on his uncle's farm. He remembers that he needs to try to add a foreground to his image to make it appear three dimensional. How is he MOST LIKELY to add this foreground? A. B. C. D. He might change his position to include some foreground items such as rocks or grasses. He might tilt his camera up to better capture the tops of the hills. He might add some framing trees in the middleground of his image. He might circle around to the side of the hills to capture the cows standing on top. PLS HELP!!
Answers
Emilio is photographing a series of hills on his uncle's farm. He remembers that he needs to try to add a foreground to his image to make it appear three-dimensional. He is most likely to add this foreground Option A. He might change his position to include some foreground items such as rocks or grasses.
The foreground of an image is usually the element that is closest to the viewer. The foreground is often used to add depth to an image. If a photographer wants to create a 3D appearance in his image, he must ensure that the image has a foreground, mid-ground, and background. It is possible to include a foreground in a photo by modifying the angle of the shot and including elements in the foreground.
Emilio might change his position to include some foreground items such as rocks or grasses. By doing so, he will be adding depth to his image. Another way to add foreground to an image is to use framing trees in the middle ground of the image, but this may not provide the depth required. Tilt his camera up to better capture the tops of the hills or circling around to the side of the hills to capture the cows standing on top are not recommended, as the question seeks to add a foreground.
Therefore, Emilio is most likely to add the foreground by changing his position to include some foreground items such as rocks or grasses. Therefore, the correct option is A.
The question was incomplete, Find the full content below:
Emilio is photographing a series of hills on his uncle's farm. He remembers that he needs to try to add a foreground to his image to make it appear three-dimensional. How is he MOST LIKELY to add this foreground?
A. He might change his position to include some foreground items such as rocks or grasses.
B. He might tilt his camera up to better capture the tops of the hills.
C. He might add some framing trees in the middle ground of his image.
D. He might circle around to the side of the hills to capture the cows standing on top.
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In general, how long does it take to accomplish a long-term goal?
A.
a few days to a week
B.
a few weeks to a month
C.
a few months to a year
D.
more than a year
Answers
Answer:
D
Explanation:
long term goals require time and planning.They are not something you can do this week or even this year.Long-Term goals usually take 12 months or more to achieve
which of the following is not a product cost under variable costing?
Answers
Which figure (amount) should be larger?
A. Expenses
B. income
C. Extras
D. Needs
Answers
Income
WHY:
The expenses and extras and needs should all add up to the income and the income should be over these expenses
MARK ME BRAINLIEST PLEASE
An example of a cost is _____.
revenues
principal and interest on loans
tornadoes
profits
Answers
All else equal, long-term bonds have less price risk than short-term bonds. b. All else equal, low-coupon bonds have less price risk than high-coupon bonds. c. All else equal, long-term bonds have less reinvestment risk than short-term bonds. d. All else equal, short-term bonds have less reinvestment risk than long-term bonds. e. All else equal, high-coupon bonds have less reinvestment risk than low-coupon bonds.
Answers
Answer:
c. All else equal, long-term bonds have less reinvestment risk than short-term bonds.
Explanation:
Bond is a financial obligation that runs for at least five and much longer time peroid. They can be fixed, floating and exchangeable bonds.Which of the following best describes entrepreneurial personality traits?
a
Risk averse and co-dependent.
Appreciate direction from others and risk averse.
Tolerant of uncertainty and highly energetic.
Prefer to work less hours and prefer to give directions and let others do the foot work
d
estion 5 (1 point
Hetailed written statement that describes the nature of the business, the customer segment, the
Answers
Tolerant of uncertainty and highly energetic.
The two important entrepreneurial personality traits are tolerance of uncertainty and high energy levels. Hence, Option (B) is correct.
Entrepreneurs must be tolerant of uncertainty because starting and running a business involves inherent risks and unpredictable outcomes.
They face numerous challenges, from market fluctuations to competition and unforeseen obstacles.
Tolerating uncertainty means they can handle the stress and pressure associated with these situations, adapt to changing circumstances, and make informed decisions amidst ambiguity.
High energy levels are crucial for entrepreneurs because they often work long hours, face multiple responsibilities, and encounter numerous demands.
Entrepreneurship requires dedication, passion, and a relentless drive to achieve goals.
Thus, these two traits, that are tolerance of uncertainty and high energy levels, are foundational for entrepreneurs.
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Which of the following best describes entrepreneurial personality traits?
A. Risk-averse and self-nurturing
B. Tolerant of uncertainty and highly energetic
C. Appreciative of direction from others and risk-averse
D. Preference for working fewer hours and letting others do the footwork
Compute the present value for the alternative below if the analysis period is 8 years: Alternative: • First cost: 4700 • Uniform annual benefit: 1800 • Useful life in years: 4
Answers
The present value of the given alternative, with a first cost of 4700, a uniform annual benefit of 1800, and a useful life of 4 years, can be computed based on the analysis period of 8 years.
To compute the present value of the alternative, we need to discount the future cash flows to their present values. In this case, the uniform annual benefit of 1800 is received for a period of 4 years. We can use the concept of the present value of an annuity to calculate the present value of these cash flows.
The formula for calculating the present value of an annuity is:
PV = A * [(1 - (1 + r)^(-n)) / r],
where PV is the present value, A is the annual benefit, r is the discount rate, and n is the number of years.
Given that the analysis period is 8 years, and assuming a discount rate, we can calculate the present value as follows:
PV = 1800 * [(1 - (1 + r)^(-4)) / r]
By plugging in different values for the discount rate, we can calculate the present value of the alternative. The specific discount rate to be used depends on factors such as the organization's cost of capital or the desired rate of return.
Note that the first cost of 4700 is not explicitly used in the calculation of present value, as it represents an initial outflow and not a future cash flow. The present value represents the current worth of the future benefits over the analysis period.
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Why is signode losing market share? (is price the principal reason? What other factors might be involved?)
Answers
While price is a significant factor, other factors such as competitor strategies, product innovation, customer perception, and changing industry dynamics can also contribute to Signode losing market share. It is crucial for Signode to analyze these factors and develop strategies to address them effectively in order to regain market share and maintain a competitive position in the packaging industry.
Signode may be losing market share due to various factors, and while price could be one of the reasons, there are other factors that might also be involved.
1. Price: Price is indeed a significant factor in determining market share. If Signode's competitors offer similar products at lower prices, customers may choose to switch to those alternatives. Lower-priced options may be more attractive to cost-conscious customers, especially if they perceive little difference in quality between Signode's products and those of its competitors.
2. Competitor strategies: Signode's competitors may have implemented effective marketing and sales strategies that have allowed them to gain market share. They may be targeting specific customer segments, offering unique product features, or providing exceptional customer service. If Signode has not responded effectively to these competitive strategies, it may be losing market share.
3. Product innovation: If Signode has not kept pace with industry trends and customer demands for new and innovative packaging solutions, it could be losing market share. Customers are always looking for packaging solutions that are efficient, sustainable, and tailored to their specific needs. If Signode's products do not meet these requirements or fail to differentiate themselves from competitors, it can result in a loss of market share.
4. Customer perception: Signode's reputation and brand image play a crucial role in attracting and retaining customers. If customers perceive Signode's products as outdated, unreliable, or lacking in quality, they may opt for alternatives from other brands. Negative customer experiences, such as poor customer service or product failures, can also contribute to a decline in market share.
5. Changing industry dynamics: The packaging industry is constantly evolving, driven by technological advancements, changing regulations, and shifting customer preferences. If Signode fails to adapt to these changes and capitalize on emerging opportunities, it may lose market share to competitors who are more agile and responsive to industry dynamics.
In summary, while price is a significant factor, other factors such as competitor strategies, product innovation, customer perception, and changing industry dynamics can also contribute to Signode losing market share. It is crucial for Signode to analyze these factors and develop strategies to address them effectively in order to regain market share and maintain a competitive position in the packaging industry.
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Websites like Poshmark, where people can buy or sell new or used clothing to other consumers, is an example of ________ marketing.
Answers
There are ways to market a product. Websites like Poshmark uses C2C marketing.
What does C2C means?This is known as Customer to customer. The Customer to customer (C2C) is known to be a type of business model or marketing type where a potential customers can trade with one another.
It is regarded as a form of online environment. C2C marketing is often used daily and also very popular with the use of the Internet and firms such as Poshmark
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If people love working at a company, and if that company selects people based on fit and reviews them with their peers, this is an example of a _______ company.
Answers
If people love working at a company, and if that company selects people based on fit and reviews them with their peers, this is an example of a "culture-driven and collaborative" company.
In a culture-driven and collaborative company, the focus is on creating a positive and inclusive work environment where employees feel a strong sense of belonging and enjoyment. By selecting people based on fit, the company ensures that individuals align with the organization's values, norms, and cultural aspects. Reviewing employees with their peers promotes collaboration, teamwork, and mutual feedback, fostering a culture of continuous improvement and engagement.
A culture-fit company emphasizes hiring candidates who align with the organization's values, beliefs, and work culture. By selecting people based on fit, the company aims to create a cohesive and harmonious team where employees share common values and can easily integrate into the existing organizational culture.
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Which question can help a writer analyze a prompt and develop a claim for an argumentative essay?
O Does the conclusion restate the claim?
O What is the main purpose of the essay?
O is supporting evidence included?
O is the claim clearly stated?
Answers
The question that can help a writer develop a claim for argumentative essay is " is supporting evidence included?"
What is an is an Argumentative essay?An Argumentative essay is one characterised by responding to a prompt or questions of a fellow in other to get ideas or win points from their claims.
In a good arguments, both parties are expected to come out more enlightened about the topic they argued about.
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a firm acquired an assset on 1st Apri, 1990 at a cost of Le 30,000. The useful life of the asset is expected to be 10 years. The estimated scrap value of the asset at the end of the year is Le 2,000. Show the provision for depreciation account for the first 3 years in the life of the asset using the Straight line method
Answers
Answer:
First year : Le 2100
Second year : Le 2800
Third year : Le 2800
Explanation:
Given the following :
Cost of equipment = 30,000
Useful years = 10
Salvage or scrap value = 2,000
depreciation account for the first 3 years in the life of the asset using the Straight line method :
Straight line Depreciation :
(Cost - salvage value) / useful years
First year: (April - December 1990)
April - December 1990 = 9 months
(30,000 - 2000) / 10 × 9/12
28000 / 10 × 0.75 = Le 2100
Second year:
(30,000 - 2000) / 10 × 12/12
28000/ 10 = Le 2800
Third year:
(30,000 - 2000) / 10 × 12/12
28000/ 10 = Le 2800
How does the work done by agriculture communications professionals compare to and differ from that of other marketing workers?
Answers
Answer:
Agriculture communications professionals need to have the same basic background on marketing, covering areas such as market research, product research, and market communication.
However, they will also need to have an agriculture-related background, because they need to understand the dynamics of the agriculture business, from farm issues, to the kind of crops or produce that they can buy or sell in a specific area, to even agricultural policy.
[04.04MC]
Which of the following actions would the Federal Reserve most likely take during
an economic recession? (5 points)
Increase reserve requirement
Raise interest rates
Lower discount rate
Sell government securities
Answers
Answer:
Lower discount rate
Explanation:
When commercial banks and other institutions borrow from the federal reserve, they repay at an interest rate known as the discount rate. The discount rate becomes the benchmark for inter-bank borrowing, and by extension, loans to customers. An increase or decline in the discount rate results in banks' interest rates moving in the same direction.
A recession is a business cycle where the growth rate is very low or negative. It is associated with low demand for goods and services, a high unemployment rate, and reduced production. The federal reserve intervenes by employing measures to stimulate production and growth.
In reducing the discount rate, banks' interest rates will reduce. The costs of borrowing money decreases. Firms and households can borrow money for consumption and investment. Reducing the discount rate increases the money supply in the economy. Demand for products and services goes up, which stimulates more production and growth in the GDP value.
Answer:
Lower discount rate
write about veterinary service available in you locality
Answers
Answer:
write your locality not my locality there is your locality
Expenditures to keep an asset in normal operating condition. They are necessary if an asset it to perform to expectations over its useful life. They are treated as expenses.
Answers
Ordinary repairs are the maintenance cost incurred to make sure that the machine is working properly.
It is treated as revenue expense which means expense which occur frequently with low amount. These cost does not improve the equipment or make it the long lasting . Its just the daily maintenance of the asset.
These expense are debited in the profit and loss account not in the asset account.
More the expenses less will the profit.
These expense are not capitalized as it does not increase the useful life of the productivity of an asset.
Ordinary repairs includes replacing broken or worn out parts with comparable parts.
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Which of the following describes the two different types of interest rates offered on home mortgages?
A: Fixed and variable
B: Timed and untimed
C: High and low
D: Year or decade
Answers
The two different types of interest rates offered on home mortgages is A) Fixed and variable.
A loan is a financing settlement between a lender and a borrower, where the latter borrows a positive amount of money and repays it over a period of time. A mortgage, or home mortgage, is a sort of mortgage used to shop for real estate, and secured with the aid of the purchased land or house.
Even along with the association charges, a loan continues to be probable to be less expensive than getting rid of a non-public loan. However, to be virtually certain of which would come up with the higher deal you want to evaluate the total value of borrowing - consisting of association charges for the mortgages - of the two styles of a mortgage.
A mortgage is an agreement between you and a lender that gives the lender the proper to take your private home if you fail to pay off the money you've borrowed plus interest. Loan loans are used to shop for a domestic or to borrow money towards the cost of a home you already personal.
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Writing an outline helps to do all of the following except ___________. a. organize your thoughts b. choose your purpose c. focus on your main points d. make your presentation easier Please select the best answer from the choices provided A B C D Mark this and return
Answers
option a is correct because Outlining will help construct and organize ideas in a sequential manner and thoughtful flow. Doing so allows you to pick relevant information or quotes from sources early on, giving writers steady foundation and groundwork when beginning the writing process.