1. Because workers compensation is generally required of employers by law, do you feel it should only be sold by the government? Explain
2. Identify five advances in auto safety that have helped reduce auto accidents or have reduced the severity of injuries, indicate if the advance has reduced the frequency, severity, or both.
3. Your friend owns a home with a $200,000 replacement cost. Your friend purchases a $100,000 homeowners’ policy with an 80% coinsurance clause. A $30,000 loss occurs, your friend wants to know how much will be received through insurance for the loss settlement.
4. How should individuals create their own risk management plan for the coronavirus pandemic?
5. List and briefly describe the characteristics of the three major types of life insurance sold in the US.
6. What are health savings accounts? What are the pros and cons?
7. Annuities are most often thought of as an investment vehicle used to help fund retirement. Identify and explain several reasons why annuities are beneficial for retirement.

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