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ullance 101 - Fall 2019 December 16, 2019 18. The following factors reduce the cost of insurance, EXCEPT a) Deductibles b) Coinsurance c) Hazard reduction d) Moral Hazard 19. Adrien purchased a $100,000 participating whole life policy with annual premiums of S1,380. If the insured died halfway through the policy year but the annual premium was already paid, and the policy had an outstanding cash-value loan of $5000 and earned but unpaid dividends of S4000, what would the death benefit be? a) $100,000 b) $95.000 c) 599,690 d) $104,690 20. What is the average share price for the dollar-cost averaging strategy shown below? Regular Investment S500 $500 $500 $500 $500 Share Price $30 $31 $35 S32 $35 a) b) c) d) $34.80 34.29 S32.60 $36.10 21. The purchase of insurance is a common form of which risk management technique: te) Risk transfer V Risk assumption C ) Risk avoidance b) Loss control ullance 101 - Fall 2019 December 16, 2019 18. The following factors reduce the cost of insurance, EXCEPT a) Deductibles b) Coinsurance c) Hazard reduction d) Moral Hazard 19. Adrien purchased a $100,000 participating whole life policy with annual premiums of S1,380. If the insured died halfway through the policy year but the annual premium was already paid, and the policy had an outstanding cash-value loan of $5000 and earned but unpaid dividends of S4000, what would the death benefit be? a) $100,000 b) $95.000 c) 599,690 d) $104,690 20. What is the average share price for the dollar-cost averaging strategy shown below? Regular Investment S500 $500 $500 $500 $500 Share Price $30 $31 $35 S32 $35 a) b) c) d) $34.80 34.29 S32.60 $36.10 21. The purchase of insurance is a common form of which risk management technique: te) Risk transfer V Risk assumption C ) Risk avoidance b) Loss control