Accurately identifies all the risks faced by the client(s)

Analyzes these loss exposures with reference to the economic cost, (general terms great or small), that would result from the occurrence of a loss.

Uses the analysis of risk to pair its management with an appropriate risk management technique.

Describes the nature of the risk management technique in detail this is particularly important for insurance; what type, what coverages, what amount (approx.), - and provide a defense for why you feel this risk management choice is in the best interest of your client. Remember that risk management techniques are not just insurance.

5 Points Presentation is easy to follow, organized, and free of grammatical and spelling errors.

jack is 25 years old and a recent graduate. She has an apartment in downtown dallas that she shares with 2 roommates and drives a 2010 Toyota Camry which has an actual cash value of $5,000. Wendys car has been insured under her parents policy, but they now want her to get her own coverage. Wendy is self-employed as a photographer and makes about $35,000 a year photographing weddings, portraits, birthday parties, and baby showers. She is often in peoples houses or orchestrating photo shoots on location. She also has a small area in her apartment where she does portrait work for graduations and holiday cards. Her location shots are not quite as popular anymore after a photo shoot in a secluded area of a state park left a client with a bad poison ivy rash for which he had to be hospitalized.

Wendys apartment is full of expensive camera equipment that she has amassed over the years. She has ever heard of renters insurance.

Wendy has no children or spouse, but she does have 2 younger brothers and both her parents are alive and still working hard to support their family. Wendy has an individual health insurance plan but is dismayed at the high price for the plan that includes the out of network private practice physician she has been seeing since she was a toddler. Wendy has about $10,000 in a savings account, money left to her from a great-uncle who recently passed away. Apart from that, she has no retirement savings and no life insurance. It is hard for Wendy to develop a savings plan as her free lancing makes for an unstable income some months are great, others are lean, however on average she has around $500 a month disposable income after regular monthly expenses are paid.