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Explain how pension plans provide tax benefits. (LO3)
Explain how ERISA affects employees who change employers. (LO3)
Describe the purpose of a pension plan’s vesting schedule and explain how it works. (LO3)
Explain how a pension fund’s governance of corporations can help to enhance the performance of the pension fund. (LO2)
Explain how pension funds participate in financial markets. (LO2)
Describe a defined-benefit pension plan. Describe a defined-contribution plan and explain how it differs from a defined-benefit plan. (LO1)
Explain the general difference between the portfolio composition of private pension funds and public pension funds. (LO6)
Consider a life insurance company that needs to ensure that it can make a steady stream of payments over time to beneficiaries of its policyholders. Assume that the compensation for the insurance company’s portfolio managers is tied to the return earned on the investments each year. Write a short essay that explains how the compensation plan might lead to investment strategies that do not serve the needs of the policyholders.
Explain the adverse selection and moral hazard problems in insurance. Gorton Insurance Company wants to properly price its auto insurance, which protects against losses due to auto accidents. If Gorton wants to avoid the adverse selection and moral hazard problems, should it assess the behavior of insured people, uninsured people, or both groups? Explain. (LO1)
What is NAIC, and what is its purpose? (LO2)
What is reinsurance? (LO4)
Explain how a life insurance company’s asset portfolio may be affected by inflation. (LO3)
Explain the concept of cash flow underwriting. (LO4)
What purpose do property and casualty insurance companies serve? Explain how the characteristics of PC insurance and life insurance differ. (LO4)
Discuss the liquidity risk experienced by life insurance companies and by property and casualty (PC) insurance companies. (LO5)
How do insurance companies manage credit risk and liquidity risk? (LO5)
Why did the U.S. government rescue AIG during the credit crisis in 2008? (LO5)
What is a policy loan? When are policy loans popular? Why? (LO3)
How do insurance companies finance the real estate market? (LO3)
What are the main assets of life insurance companies? Identify the main categories. What is the main use of funds by life insurance companies? (LO3)
Explain group plan life insurance. (LO3)
Identify the characteristics of universal life insurance. (LO3)
How do whole life and term insurance differ from the perspective of insurance companies? From the perspective of the policyholders? (LO3)
How does whole life insurance serve as a form of savings to policyholders? (LO3)
Should large securities firms be allowed to be independent and insulated from bank regulation, or should they be required to register as bank holding companies, and subject to bank regulations? Write a short essay that supports your opinion.
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