Answer:
Death Benefit
Explanation:
Based on the information provided within the question it can be said that the life insurance rider being described is the Death Benefit. This is a rider, that like mentioned in the question pays the face amount of plus the total premiums paid into the policy. These premiums are waived if the individual insured becomes completely disabled before a pre-defined age.
Final answer:
The life insurance rider in question is termed the Return of Premium (ROP) rider. It refunds the policyholder the total premiums paid if they outlive the term of the policy.
Explanation:
The life insurance rider that pays out the face amount plus the total premiums paid into the policy is known as the Return of Premium (ROP) rider. This rider ensures that, in cases where the policyholder outlives the policy term, they receive a refund of all the premiums they paid. Furthermore, in a cash-value life insurance policy, the policy includes both a death benefit and a savings component, which builds cash value over time and reflects the reserves to be given to the policyholder in certain instances.
Life settlements are transactions where a policyholder sells their life insurance policy to a third party, rather than allowing the policy to lapse or surrender it back to the insurer. The third party then becomes responsible for the premium payments and will ultimately receive the death benefit. Expansion of life settlements has implications for the insurance industry and policy costs, as it changes the assumptions insurers have about policy lapse rates.
In digital intraoral radiography, _________ errors can be corrected without taking a retake.
A. Overexposure
Explanation:
Hello! The advantages of intraoral radiography are that it has less radiation exposure, ability to solve errors easily and is more environmentally friendly. It offers high image resolution as well as service software that favors a safe and efficient diagnosis.
Thanks for your question! Feel free to ask more!
State lottery officials send residents a facsimile of a contest-winning check for over $5 million to encourage them to imagine themselves as possible winners. The lottery promoters are most clearly exploiting the influence of
Select one:
A. confirmation bias.
B. the availability heuristic.
C. an algorithm.
D. belief perseverance.
Answer:
B. the availability heuristic.
Explanation:
The availability heuristic: In psychology, the availability heuristic is defined as a mental shortcut that depends on the alternatives that comes to an individual's mind while evaluating particular method, decision, concept, or topic. A person often uses readily available facts to hold beliefs about several distant concepts.
In the question above, the lottery promoters are most clearly exploiting the influence of the availability heuristic.
Most workers in preindustrial economies (such as hunting and gathering, horticultural and pastoral, and agrarian societies) engage in __________, which is the extraction of raw materials and natural resources from the environment.
Answer:The primary sector
Explanation:
The primary sector are those which are the first sectors in producing the product. They are the ones who extract product that is still raw such as mining companies that extract Gold before it is transported to the refinery smelters.
Other examples of primary factors are agriculture,forestry,and quarrying.
This is the starting point of the product before it can be transported further to teh final product that can be used by consumers.
Answer:
Primary sector production
Explanation:
Those materials are raw materials that don't face with such advanced additional process. Primary sector productions are consumed with basic process (such as cooking, grinding etc.). Those materials are only for families or just small societies. Therefore, above features of the production materials made them primary sector production.
Three-year-old Emma went to see a New York Yankees game in Yankee Stadium. From her seat in the bleachers, the players looked like tiny men, but as she walked toward the field, the players seemed to grow in size, as if by magic. Emma’s belief that the men grew larger is best explained by:___________
Answer:
the fact that she is still developing size constancy.
Explanation:
The different types of perceptual constancy include size, shape, and Brightness, etc.
Size constancy: In psychology, the term size constancy refers to the phenomenon of perceptual constancy, and is described as an object that will be perceived as of the same size to a certain range irrespective of the changes that appear in the retinal distance or image size.
Example: An individual will perceive a building of the same size irrespective of the distance he has from that building.
In the question above, Emma’s belief that the men grew larger is best explained by the fact that she is still developing size constancy.
In developing countries, particularly the United States and Canada, people are gaining weight and becoming obese. Vogels et al. (2005) found that most people who try to lose weight are either at their original weight or heavier after two years. What are the strategies that can be used to lose weight and keep it off?
Answer:
The strategies that can be used to lose weight and keep it off? are eating less, eating more healthy food and excercise more. They all start with discipline.
Explanation:This is a very serious question because every time an individual tries to lose weight is because he or she has been warned by the doctor of the effects of his weight. Increased blood pressure, less breathing capacity, bone, and muscular problems, psychological affections and disorders among others. So they look for help, and what they do is to follow the doctor's command in their perspective and for this particular condition self-control and discipline are required.
Sugar causes a dependence, fat also helps find pleasure at a primitive level because it is highly related to the consumption of prey. So the major factor here is to control the habits, behaviors and change them to decrease weight. Eating is a habit so changing it means a change in the lifestyle of the subject. Exercise also changes the subject's routine and replacing his diet attempts against his tastes. So all of these factors have not only psychological and organic patterns but resistances to stop doing what we want, and in a world in which we are free to do everything that we want that change is pretty big. Thus, doctors and psychologists have to sensibilize and conscience the subject. Eating less fat will reduce wieght gain, and eating healthy provides enough nutrients to carry on the regular body functions and clean it.
When crossing a fence or other obstacle alone, what should you do with your firearm once it is unloaded?
Answer:
Explanation:
The following hunting guides are necessary when crossing and obstacle or fence;
The firearm should be set on the ground on the other side of the obstacle you intend to cross
The muzzle of the firearm should be pointed away from you and where you are crossing to.
The arm should be retrieved and loaded after crossing.
he two important environmental trends that influence a firm's choice and use of international corporate-level strategies are _________ and __________. a. regionalization; globalization b. culture; geographic scope c. liability of foreignness; regionalization d. cost; quality
Answer:
c. liability of foreignness; regionalization
Explanation:
Liability of foreignness is the term that companies gets in to foreign countries market so this is kind of responsibility for company that searching for out source. For instance, some companies are not just exist in their local market but also other countries markets which leads globalization. However, there might need for some integrations with geographic, cultural, economic and administrative factors. These factors analyzed before entering foreign market.
Regionalization is a kind of adaptation that companies sets their resources according to market. If company seeks to enter foreign markets then resource share might not stable thanks to differences in different market regions. Well, companies using different amount of resources region to region with special implementation to each market.
Thus, liability of foreignness and regionalization are environmental trends that taken consideration by firm's for international corporate-level strategies.
"Failure to obtain ____________ in a managed care plan can result in denial of coverage, or a substantial reduction in the coverage normally provided."
Answer: Pre-authorization
Explanation:
Managed care plan is the plan that contains insurance about the medical facilities and health care that is provided to an individual by health care providers. This plan is provided to people at low costs through providers and the services of healthcare is also at low amount.
Pre-authorization is the prior approval that is provided by the health insurer that the particular medical services and care will be provided to the individual under the plan.
If this pre-certification is not obtained in managed care plan then this can lead to the reduction in plan's medical care coverage or no coverage at all in healthcare field.
The business arrangement in the newspaper industry in which two separately owned papers in the same city are permitted to combine their business and production operations is called a ______. Group of answer choices consensus operation (CO) multiple-system operation (MSO) duopoly joint operating agreement (JOA) oligopoly
Answer:duopoly joint operating agreement (JOA)
Explanation:
A joint operating agreement, refers to an agreement that occurs when two or more mineral operations decided to work together in sharing their resources and expertise in the industry. The contract is a legal guidance in their joint venture whilst the companies still keep their unshared identity.
JOAs are good at guiding both parties in terms of how they will go about exploration and production and how they will split the revenue.
Tim Talon has been found by a court of law to be guilty of reckless driving and killing a
pedestrian as a consequence. His defense was that he was driving under the influence of alcohol
and lost control of his automobile. He was subsequently punished for his crime. How would the
court classify Tim Talon's case for intent?
A) general intent crime
B) criminal intent crime
C) nonintent crime
D) specific intent crime
Answer:
The Correct Answer is C.
"Non-intent crime".
Explanation:
The Intent required to commit any crime is or an offense can be either General intent or Specific Intent. The wording of an offense in the criminal code tells you the level of intent required to be guilty. some offense required General intent while other required Specific Intent.But then come to the Non-Intent which means the offense which commits by mistake or by accident which was not intentionally planned but falls under offense.
The crime prevention method that relies on reducing the opportunity to commit criminal acts by making them more difficult to perform, reducing their reward and increasing their risks is called ____________
Answer:
Situational Crime Prevention
Explanation:
Situational Crime Prevention is a crime prevention method which aims at crime reduction. This method tries to identify the ways criminals commit a crime. Then it tries to decrease the possibilities or opportunities of crime.
What BEST describes the ethical consideration that comes into play when soliciting referrals from current clients?
Answer:
Exploitative Relationship
Explanation:
Exploitative Relationship means to take advantage of one of the other when one is powerful than the others. It means to control others using imbalance of powers.
One should not put a client in an exploitative relationship while soliciting referrals from them. This implies taking advantage of the client who do not wish to give a referral. But the clients feels that they have to provide a referral so that you continue to give therapy to the child.
The classic "conservation task" developed by Piaget involves two short containers that contain equal amounts of liquid. While a child watches, the water from one container is poured into a tall, thin beaker, and the child is asked, "Which beaker holds more water, the short container or the tall container?" Four-year-old Daniel answers the question incorrectly, while seven-year-old Emily is able to answer the question correctly. Why?
Answer:
The principle of conservation of physical quantities such as mass, weight and volume is part of Piaget's theory aimed at studying children's ability to perceive their permanence independent of changes in form. In the construction of this process it is possible to identify the level of children's cognitive development.
The notion of conservation is an internalization that is achieved through a process. It is not acquired since the child has the possibility to think because to internalize it in the plane of thought it is necessary to learn first in the plane of action and experience.
Four-year-old Daniel answers the question incorrectly, while seven-year-old Emily is able to answer the question correctly because according to Piaget's theory of child development, children who are in the "early preoperative" stage fail in conservation tasks. Children who are in the "late preoperative" stage do succeed in some of these tasks, but do not have the capacity to provide adequate justifications for their judgments. Only when children enter the "concrete operational" stage that they manage to provide logical justifications for everything that has to do with conservation.
M agreed to buy G’s house for $200,000. The closing was to be held on April 5. G did not have all items removed from the home until April 9. M had to spend $500 on hotel expenses because of G’s breach. The contract had listed that hotel expenses in the event this occurred would be limited to $400. This agreement of capping the hotel expenses at $400 is an example of:
Answer:
Liquidated Damages
Explanation:
Liquidated Damages are provisions made in legal contracts to allow a party recieve payment of an amount of money in case the pre-agreed contract terms are breached.
Liquidated damages are allowed most especially in legal contrcts where the potential losses to one of the parties is difficult to define especially at the formation of the contract.
Since the agreement was for G to remove his property by 5th of April but did not do so until the 9th of April, the $400 agreed upon for the hotel expenses is liquidated damages. In any case, M will still bear a loss of $100, which is the difference between the $500 spent and the $400 agreed as liquidated damages.
When a natural disaster causes widespread, severe damage, it is not uncommon for people to acknowledge their losses but then add an "at least" statement, such as, "at least, unlike what happened to others, we all survived;" or, "at least, unlike what happened to others, we still have a home to return to." These statements reflect the use of _____.
Answer:
Downward comparison
Explanation:
The theory of social comparison proposes that people tend to compare themselves with other people who are similar to themselves. They also make upward social comparisons (with people who are superior) in hopes of learning how to improve.
However, sometimes people want to feel better about themselves and they make downward comparisons, which is, they make comparisons with others who are inferior to, or less fortunate than them in some way. They do this in order to feel better.
In this example, when a natural disaster causes severe damage people say "at least, unlike what happened to others, we survived or we have a home to return to". We can see that they are comparing themselves with others who are less fortunate (who didn't survive or lost their homes), in order to feel better about what happened to them. Therefore, this is an example of downward comparison.
Identify one way members of the Guardian Council are selected. Describe two specific functions of the Guardian Council.
Answer:
Members of Guardian Council are selected by the supreme leader. Two specific functions of the Guardian Council in Iran are to make sure laws passed by the majlis follow Islam and the laws are also constitutional. They provide an important check on majlis, and have veto power over the laws they pass as well.
Explanation:
Apart from this Guardian Councils can also be selected if nominated by head of the judiciary and further those nominees approved by majlis. These councils are responsible for many more actions such as, monitoring elections, overseeing majlis and advising the supreme leader on matters related to jurist guardianship.
Final answer:
Members of the Guardian Council in Iran are selected partly through appointment by the Supreme Leader. The Council vets political candidates and interprets the constitution, ensuring legislation aligns with Islamic principles and the constitution itself.
Explanation:
The selection of members of the Guardian Council is a crucial aspect of Iran's political structure. Although the question seems to mix references, relating to the Guardian Council implies discussing Iran's political system. One way members are selected is through appointment by the Supreme Leader. The Supreme Leader of Iran appoints half of the members directly, which showcases the integration between religious leadership and governance in the country.
The Guardian Council has two specific functions which are essential to understanding its role within the Iranian political framework. Firstly, the council is responsible for vetting candidates for various political offices, including the presidency and the parliament, ensuring they align with Islamic principles. Secondly, it has the power to interpret the constitution and to veto legislation passed by the parliament if deemed inconsistent with Islam or the constitution.
Item 13 After winning a prize in a speaking contest, Zitkala-Sa feels a moment of triumph, but this is followed by feelings of __
Answer:
After winning a prize in a speaking contest, Zitkala-Sa feels a moment of triumph, but this is followed by feelings of isolation and loneliness, as though she is still an outsider in the world of white people
Explanation:
When we are happy about something, we want to share the happiness with other people. The value of happiness is reduced if we have nobody to share are happiness with.
Zitkala-Sa was present in a different country where she won a prize in the speaking contest. Although she was happy about winning but felt lonely as she missed her people at that time.
Three years ago, Nasim ate a burger and was violently sick a few hours afterwards. Even though it was the only time up to that point that he had had this reaction to burgers, he cannot even look at a burger without feeling sick. Why is his conditioned taste aversion puzzling from the perspective of the general principles of classical conditioning?
Answer:
The association that Nasim made between eating the burger and feeling sick required only a single US-CS pairing.
Explanation:
The theory of classical conditioning was produced by Russian psychologist Ivan Pavlov to explain different aspects of human psychology. He explained how an unconditioned stimulus when paired with conditioned stimulus produce conditioned response. According to the question, question sickness due to burger was an unconditioned stimulus which is paired by Nasim to the burger (conditioned stimulus) and his feeling of sickness every time he saw a burger is conditioned response.
If you fail the written test ________, you will have to pay a new license application fee in order to take the written knowledge test again
Answer:
Three times
Explanation:
If you fail the written test three times, you will have to pay a new license application fee in order to take the written knowledge test again .
In applying for a drivers license, a compulsory written test is administered, the written test is for provisional license applicants an has 46 questions, if the number of errors exceed 7, the applicant fails the test.
If the test is failed thrice by the applicant, he will be asked to pay a new license application fee.
experience psychology Drag the options to the theory of motivation to which they belong. Drag the labels from the left to the appropriate box at the right.
This question pertains to the various theories of motivation. As per Drive Theory, deviations from homeostasis result in psychological drive states that influence behavior. Self-efficacy, as theorized by Albert Bandura, is the belief in one's ability to accomplish tasks. Extrinsic motivation comes into play in theories like Theory X and Theory Y, where motivation is driven by rules, punishments, enticements and rewards. Finally, Maslow's Hierarchy of Needs illuminates a progression of human needs culminating in self-actualisation.
Explanation:The question refers to key theories of motivation in psychology. It seems you're being asked to differentiate and associate concepts with their appropriate motivational theories. For Drive Theory, the concept that deviations from homeostasis create psychological drive states falls under this. This theory is centered around the belief that deviations from homeostasis or balance creates physiological needs, which result in psychological drive states that influence behavior.
The concept of Self-efficacy is connected to Albert Bandura's work on motivation, as he theorized that an individual's belief in their own capability to complete a task plays a crucial role in motivating behavior.
Extrinsic Motivation, which arises from external factors or rewards, can be associated with theories such as Theory X and Theory Y, where people are motivated by either strict rules and punishments (Theory X) or by enticements and rewards (Theory Y). Further, Abraham Maslow's Hierarchy of Needs model is relevant - it demonstrates a spectrum of human needs that drive behavior, beginning with basic physiological needs and culminating in self-actualisation.
Learn more about Theories of Motivation here:https://brainly.com/question/30592436
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Which statement best explains how bank failures contributed to the Great Depression?
Answer:
People lost their savings because the government did not insure bank deposits.
Explanation:
Great Depression happened between 1929 and 1939. It doesn’t matter if bankrupt provoked depression or depression provoked bankrupt, the money was lost. Many people lost their life savings. These years were horrible years for the economy. Many people left unemployed. Many people lost their jobs. Income had shrunk to a minimum.
Great depression happened because of banks panicked. They didn’t know how to deal with people who believed in their security and the possibility that they could have had access to their money anytime.
Answer:
People lost their savings because the government did not insure bank deposits.
Explanation:
I got it Correct
Jayson Blair, Stephen Glass, and news anchor Brian Williams are all examples of cases in the media that dealt with invasion of privacy as an ethical issue. True or false?
Answer:
True
Explanation:
Jayson Blair, Stephen Glass, and news anchor Brian Williams are truly all examples of cases in the media that dealt with invasion of privacy.
Final answer:
The statement is false as the cases of Jayson Blair, Stephen Glass, and Brian Williams concern journalistic integrity, not invasion of privacy. These individuals were implicated in fabricating stories or embellishing details, undermining public trust in media. The media's role as an information gatekeeper can significantly influence public policy and perception.
Explanation:
The statement that Jayson Blair, Stephen Glass, and Brian Williams are all examples of cases in the media that dealt with invasion of privacy as an ethical issue is false. The ethical issues associated with these individuals relate to journalistic integrity and credibility, not to invasion of privacy. Blair and Glass were involved in fabricating parts of their stories, while Williams exaggerated personal experiences. Such actions lead to misleading the public and damaging the trust in both the journalists and the media outlets they represent.
Misrepresentation and dishonesty have significant consequences within media. Public figures can suffer from reputational damage due to false implications, as in the lawsuit involving Katie Holmes. Meanwhile, issues of national security arise when media outlets deal with classified material. The media's role as a gatekeeper of information affects how the public perceives political narratives and can influence public policy. The balance of power between the public and those in political arenas is challenged when the credibility of elite sources comes into question.
In cases where inaccurate coverage occurs, such as of race and gender, it can have a profound impact on policy and elections, highlighting the significant role media plays in shaping public opinion and serving as a watchdog against tyranny—with limitations in the interest of national security or where anonymity to protect sources is deemed necessary. This relationship underlines the importance of trust in the information provided by the media and the responsibility of journalists to uphold ethical standards.
A child is given an intelligence test. What does his score on the test correspond to?
Answer:
his mental age
Explanation:
An intelligent quotient (IQ) can be described as the measure of intelligence for a person and it is adjusted for age. The intelligence test measures the mental age of a person. In the IQ test, mathematical calculations are used for determining the mean or average score which determines the final result. It should be kept in mind that intelligence is a polygenic trait that is influenced by over 500 genes.
When someone distorts another's view so that it is easy to attack, we call that the ______ fallacy
Answer:
When someone distorts another's view so that it is easy to attack, we call that the ad hominem fallacy
Explanation:
In Latin, ad hominem means argument against the person. It is a fallacy identified when someone seeks to deny a proposition with criticism of its author rather than its content. The fallacy occurs because it concludes about the value of the proposition without examining its content.
The term for distorting someone's view to make it easier to attack is called the straw man fallacy.
When someone distorts another's view so that it is easy to attack, we call that the straw man fallacy. This involves the misrepresentation or exaggeration of an opponent's argument to create an argument that is easier to counter or appears more extreme than it really is. The straw man tactic diverts attention from the essence of the debate by substituting the opponent's actual stance with a weakened version, allowing the attacker to score a hollow victory against an argument that was never actually presented.
involves being aware of what is happening in the vicinity to understand how information, events, and one's own actions will impact goals and objectives, both immediately and in the near future.
a. Situation awareness
b. Highway hypnosis
c. Synergism
d. Psychic ability
Answer:
Situation Awareness
Explanation:
The term “Situation Awareness” means essentially to know and being aware of where you are, what you can do and how to do it and taking the consequences of your actions into consideration.
In other words, the term Situation Awareness involves being aware of what is happening around you, in order to understand how information, events, and your own actions will impact your goals and objectives, both immediately and in the near future.
Thus, the right answer is a. Situation awareness
Mary, owner of Delany Salsas, is curious to know whether the new packaging for her line of salsas is being noticed by supermarket consumers. To collect information, she passively watches shopper reactions as they pass by the Delany Salsas display. Mary is collecting ____ data through ____ methods.
Answer: Primary , Observational
Explanation:
Primary data is the data that is collected through methods like survey, interview ,experimenting etc. in first handed form. This data is not derived from any other source.
Observational method is defined as the technique in which research is carried out through observation for knowing about object's characteristics and behavior.
According to the question, Mary is collecting primary data through watching and observing reaction of customers through observational method so that research regarding new packaging of salsa.
Plut Enterprise is an independent distributor that distributes paper cups, pens, pencils, and notepads to other firms on a large scale and takes legal possession of the goods it distributes. In this scenario, it can be said that Plut Enterprise is a(n) _____.
Answer:
Merchant wholesaler
Explanation:
A wholesaler is one who buys in bulk from the manufacturer and distributes to retailers, firms or other wholesalers.
A merchant wholesaler is an institution or distributor that majorly specialises in one type of product on a large scale, stores and distributes to other firms.
Plut Enterprise is a merchant wholesaler or distributor, specialising in paper or stationery products, possesses or stores them and distributes to firms.
The Social Security system is a pay as you-go arrangement where contributions by today's workers are paid out to yesterday's retirees" part of today's contributions go into private retirement accounts, they cannot be paid out. To make up the shortage, the government would have to borrow massive amounts of money Hence, Social Security privatization would cause a huge increase in the federal deficit
a. Nonargument
b. Argument; conclusion: If part of today's contributions tannot be paid out
c. Argument; conclusion: Social security privatization federal deficit
d. Argument; conclusion: The Social Security System to yesterday's retirees
e. Argument; conclusion: To make up the shortage massive amounts of money
Answer:
c. Argument; conclusion: Social security privatization federal deficit
Explanation:
The money that you pay through taxes is not the same money that you will receive later in life. Instead, Social Security is primarily a pay-as-you-go system, where the money you and your employer contribute now is used to fund payments to people who currently receive benefits, including those who have retired or are disabled, survivors of workers who have died, dependents, and other Social Security beneficiaries.
What occurs when members of a larger group believe that giving help is no more their responsibility than anyone else's?
Answer:Diffusion of responsibility
Explanation:Diffusion of responsibility is a pyschological effect that causes us to not act when there are many people around us with a belief that someone else except us will act.
For example, when we see someone being attacked in the middle of a large city , we may all stand and look but no one thinks of calling for help because everyone thinks someone else is doing it.
It leads to a bystander effect, when everyone stand and look and do nothing about a situation in front of them.
We feel less pressure to act when there are many people around us, one person thinks someone has called the police or this is not a serious matter if no one is doing anything about it.
If the federal funds market is at equilibrium at point B and the Federal Reserve decides to change the rate by a percentage point in order to reduce the chances of the economy going into recession, the supply of funds curve will have to shift to _____.
Answer:
a. Sf1
Explanation:
If you reduce the rate by one percentage point, it falls from 5.0 to 4.0, moving the equilibrium point along the supply curve of funds, so that the new equilibrium point will be at D (Sf1).