The cash value in a universal life policy may fluctuate to reflect changing assumptions.
With a cash value life insurance policy, a element of every top rate you pay goes closer to insuring your life, whilst the other portion goes toward building up a coins price. The cash cost portion of your coverage accrues tax-deferred interest. A standard popular existence coverage policy's coins value grows according to the overall performance of the insurer's portfolio and may be used to pay premiums. variations consisting of variable and listed universal existence insurance give you options for a way to invest the policy's coins price. The policy's cash price depends on the performance of the separate account funds that make up the policy portfolio. With Variable general lifestyles, the policyowner controls the funding of coins values and selects the timing and amount of top rate bills.
The cash value component serves as a living benefit for policyholders from which they'll draw price range. The life coverage net coins fee is what the policyholder or their beneficiary has left over once the coverage company deducts its fees or any expenses incurred all through the ownership of the policy.
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A producer who guarantees the payment of dividends by a policy of insurance has engaged in?
A producer who guarantees the payment of dividends by a policy of insurance has engaged in misrepresentation.
What is insurance policy? A contract between the insurer and the policyholder that outlines the claims that the insurer is legally obligated to pay is known as an insurance policy. The insurer guarantees that it will cover losses brought on by risks covered by the terms of the policy in return for an initial payment known as the premium.Within 24 months of the effective date of the Policy, the Policy Owner shall be entitled to convert to Traditional Whole Life Insurance.For losses that the insured may incur in certain situations, the insurer offers financial protection.Declarations, insuring agreements, conditions, and exclusions are the four main components of most policies.Learn more about insurance policy here:
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Why is there such a measurable difference between the first and second weighing of the crucible for run 3?
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In on the nature of things, the latin poet ______ argues that one need not fear death because all of reality, including the human soul, consists only of atoms.
In on the nature of things, the latin poet Lucretius argues that one need not fear death because all of reality, including the human soul, consists only of atoms.
Who is Lucretius?Titus Lucretius Carus was a poet and philosopher from ancient Rome. His only known work is the philosophical poem De rerum natura, which is typically translated into English as On the Nature of Things and somewhat less frequently as On the Nature of the Universe. It is a didactic work explaining the principles and philosophy of Epicureanism.The poem is the most comprehensive explanation of Epicurus' physical theory that has survived.One of the thinkers who declared war on religion due to its impact on society's citizens was Lucretius. He believed that religion just fools people into believing in things that do not actually exist and does not have any good effects on a person's life.Learn more about Lucretius here:
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Psychologists use different terms such as frequency and pitch and wavelength and hue because:_________
Psychologists use different terms such as frequency and pitch and wavelength and hue because the two worlds physical and psychological were not identical.
Who are Psychologists?A psychologist is a specialist in the field of psychology who focuses on understanding and analyzing people's thoughts, feelings, perceptions, actions, and social interactions. The testing, observation, and interpretation of how people interact with one another and their circumstances are frequent parts of their work.Psychologists can provide tests and examinations that can aid in the diagnosis of conditions or reveal more about a person's thoughts, feelings, and behaviors. They can also assist patients learn to manage their chronic illnesses, overcome addictions, and cope with stressful situations. For help with mood-related issues including sadness, mania, anger, or , people often consult a clinical psychologist. Others might need help coping with difficult times or events in life (e.g., marriage, divorce, new employment, grief). Unresolved traumas for some people require support.Learn more about Psychologists here:
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What is the term for a government where power is located in a single location, usually the capital city?
federal government
unified or central government
republican government
confederate government
Answer:
unified or central government
Explanation:
Did the quiz (k12) and got it right. It'd be awesome if you'd mark this as the brainliest answer :)
The year 2013 contains four digits whose values are consecutive integers (0, 1, 2, 3). how many years after 2013 will this event occur next?
The The year 2013 contains four digits whose values are consecutive integers (0, 1, 2, 3). The number of years after 2013 that this event occur next is 18 years.
What are consecutive integers?It should be noted that consecutive integers simply has to do with the numbers that follow each other. An example of consecutive numbers are 234 or 798. They can be arranged in such a way that they follow each other.
It should be noted that 2013 has consecutive numbers. In this case, the numbers are 0, 1, 2, 3. Therefore the year when this will occur again will be in 2031. This was gotten by rearranging the numbers from 2013.
Then we will find the difference between tye numbers. Therefore, this will be:
= 2031 - 2013
= 18 years.
Therefore the number of years is 18 years.
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A diels-alder reaction is a cycloaddition of _____ of a 1,3 diene with an alkene.
A diels-alder reaction is a cycloaddition of thermal 3 of a 1,3 diene with an alkene.
What is the diels-alder reaction?It refers to the reaction between a conjugated diene and an alkene (dienophile) to form unsaturated six-membered rings. As this reaction involves the formation of a cyclic product via a cyclic transition state, it is also referred to as a "cycloaddition".
Furthermore, its involves [4+2]‑cycloaddition of 4 π-electrons of the conjugated diene and 2 π-electrons of the dienophile (an alkene or alkyne and also involves the formation of new σ-bonds, which are energetically more stable than the π-bonds.
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What reasons for writing the constitution are given in the preamble to the constitution? choose three options.
Although the options are not specified in the question, here are all the reasons for writing the Constitution of the US given in the preamble:
Form a more perfect Union of states Have internal peace and tranquility Organize and create a common defense of the statesseek general Welfare and prosperity.guarantee "the Blessings of Liberty" for future generationsThe preamble is a short paragraph at the beginning of the Constitution that introduces the most important law of the USA. It does not state laws, duties, or guarantees. It expresses the aim of the Constitution, the values, and the spirit of the founding fathers with which the text should be interpreted.
In spite of not having the list of options, any of the ones listed above would be correct.
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How does the police officers tone towards the woman change throughout the story ?
He talks down to the three women when he first engages them in conversation. His tone of voice and demeanor make this abundantly evident. The moment the women reveal to him that they are NASA employees and vital members of a research team, though, his perspective completely shifts. This can be interpreted in a variety of ways by the reader.
First off, the story takes place during a conversation time when integration was resisted in the Southern state where they lived. Additionally, there weren't many job opportunities for young women at the time. If they were educated, the majority of those who did not get married right away went on to become teachers, secretaries, or even nurses. Women who lacked the knowledge or skills required for those professions looked for domestic work.
But when they tell him they're from NASA, the dynamic between the officer and the women completely changes. First off, it makes the women conversation look better in his eyes. He understands that they are definitely well educated and in the scientific sector; they are neither lecturers or secretaries. Additionally, the space race was important to Americans at the time, therefore NASA held a special place in their hearts. So he wants to assist them in traveling to NASA so they may carry on with the crucial work they are doing for the nation.
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When whites are turned down for credit, they rarely wonder whether the decision was based on their race. this illustrates the idea of:________
When whites are turned down for credit, they rarely wonder whether or not the decision used to be based totally on their race. This illustrates the concept of. team privilege.
The privileges assigned to a team may additionally allow individuals of that group to get entry to objects and perform operations that they are in any other case no longer allowed to do. In other words, privileges override the get entry to rights settings.
What are person privileges?A user privilege is a right to execute a specific type of SQL statement, or a right to get right of entry to every other user's object. The kinds of privileges are described by way of Oracle. Roles, on the different hand, are created via users (usually administrators) and are used to crew together privileges or different roles.
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https://brainly.com/question/24533070#SPJ4The legislation which banned discrimination in schools, employment, and public accommodations and secured the voting rights of african americans is the?
The correct answer is Civil Rights Act of 1964.
The Civil Rights Act of 1964, which prohibited discrimination based on race, color, religion, sex, or national origin and outlawed segregation in public places, is regarded as one of the civil rights movement's pinnacle legislative victories.
What is the Civil Rights Act of 1964?Discrimination on the basis of race, color, religion, gender, or national origin is prohibited by the Civil Rights Act of 1964. The provisions of this civil rights legislation prohibited sex and race discrimination in hiring, promoting, and dismissing.
The act aimed to correct the legacy of discrimination against African Americans' voting rights. The measures were quickly challenged in court and sustained by the Supreme Court in a series of cases beginning in 1964.
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Select the correct order of changes that occur in the air tract when the diaphragm contracts :______.
The suitable order of adjustments that occur within the air tract when the diaphragm contracts: Contraction of external intercostal muscles > elevation of ribs & sternum > increased front-to-back dimension of thoracic cavity > the diaphragm relaxes, air passively leaves the lungs.
The diaphragm is a thin skeletal muscle that sits at the base of the chest and separates the abdomen from the chest. It contracts and flattens while you inhale. This creates a vacuum effect that attracts air into the lungs. when you exhale, the diaphragm relaxes and the air is driven out of the lungs.
The diaphragm is a barrier technique of beginning manipulation. it is reasonably effective, with a one-yr failure charge of around 12% with normal use. while you breathe in, your diaphragm contracts (tightens) and flattens, shifting down toward your stomach. This motion creates a vacuum on your chest, allowing your chest to enlarge (get bigger) and pull in air. when you breathe out, your diaphragm relaxes and curves again up as your lungs push the air out.
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According to piaget, organisms strive to achieve a balance of organized structures that provides effective ways of interacting with the environment. this is known as?
Piaget claimed that organisms strive to maintain the proper balance in their ordered structures so that they can interact with the environment effectively. What we refer to as equilibrium.
What is the Piaget theory attempting to explain?The cognitive growth of children is described by Piaget's stage theory. Piaget believed that early cognitive development involved processes based on actions and later progressed to changes in mental operations. Cognitive development encompasses changes in cognitive process and capacities.
Piaget's concept of equilibrium is what?All human mind, according to Piaget, strives for order and finds contradictions and inconsistencies in knowledge systems unsettling. In our cognitive systems, we therefore aim for "equilibrium." When a child's schemas are in a state of equilibrium, the majority of new information may be assimilated.
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The ______________ is a governmental policy based on the belief that controlling drug availability will solve drug problems.
The war on drug is based on the belief that controlling drug availability will solve drug problems.
What is governmental policy?Government policies can be described as the policies that gives the reasons things are to be done in a certain way , it helps to express the a course of action as well as to create a starting point for change
It should be noted that The war on drug is based on the belief that controlling drug availability will solve drug problems.
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What segment of u.s. society represents a challenge to the social security system?
The social security system is put under pressure by the baby boomer generation sector of American society.
What do you understand by social security system?In the United States, Social Security is a federal program that offers retirement benefits and disability income to eligible individuals, as well as to their spouses, children, and survivors. To be eligible for retirement benefits, employees must be at least 62 years old and have paid into Social Security for at least ten years.
Types
Retirement benefits under social security.
Disability benefits under social security.
Social Security benefits for dependents.
Benefits for Social Security Survivors.
Social Security Benefits for Spouses of the Same Sex.
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When a child inherits one set of six hla genes together from one parent, this is called a(n):________
A child inherits one set of six hla genes together from one parent, this is called a(n):- haplotype.
How do HLA haplotypes get passed down?The Mendelian inheritance of the HLA system results in considerable polymorphism, low recombination, no mutation has been seen in family studies, and antigen frequencies are known for a wide range of ethnic groups.
How many different HLA combinations exist?Each parent passes on one haplotype to you. Consequently, there are four unique haplotype combinations from two parents. Inheritance of HLA follows a fundamental principle.
Do HLA proteins come from the parents?Because HLA types are inherited, siblings may occasionally match. There is a 1 in 4 chance (or 25%) that each of your siblings and sisters who have the same parents as you is a complete or full match.
Describe HLA b20?A human gene called HLA-B (major histocompatibility complex, class I, B) gives instructions for creating a protein that is essential for the immune system. A group of genes known as the human leukocyte antigen (HLA) complex includes the gene HLA-B.
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The principle of organization around a central tone is called? a. centralization. b. chromaticism. c. tonality. d. consonance.
Tonality is the principle of organization around a central tone.
Option C is the correct answer.
What is tonality?This a term used in music to refer to arrangement of other tones and harmonies around a tone. The tone that is the focus of the arrangement is usually called the central tone.
An instance of tonality as used in music is the pitch of a one's singing voice. This is an important concept in music and helps in getting appropriate harmony. Hence we can say that tonality is the principle of organization around a central tone
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The treaty of westphalia established that _____ have the final say over which religion(s) would be tolerated within their borders
The treaty of Westphalia established that the local rules have the final say over which religion(s) would be tolerated within their borders.
What is religion?
The term “religion” refers to the engagement of tradition, culture, and belief in various gods. Different people belong to different religions. The diversity of regions and values, such as Hindu, Christian, and Muslim, to name a few.
The Westphalia was the formed the local rules was the says that the religion of the citizen, it could be the followed by the border limit. The outer border this ruled was not followed.
As a result, the Westphalia established that the local rules.
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What environmental force involves developing applications from science or engineering research?
A technology is the environmental force that involves developing applications from science or engineering research.
What is a technology?
This refers to the process of using human knowledge to turn resources into goods and services that people need. Invention. All these new device, method or process that has been developed are as a result of advancement in technology.
The significance of technology in the market can not be underemphasized, it is imperative to fully understand the meaning of environment forces. In this sense, the environment involves those the environmental forces or factors that indirectly alter the operations of an organization.
In this modern world, the leading forces in the environment sense is technology, this is because of its influence on the buyer’s choices. In essence, a buyer today has a range of choices unlike before the development of technology. The internet is the world hub of information that can either benefit or disadvantage an organization.
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Families are groups of related people, bound by __________. group of answer choices
Families are groups of related people, bound by connections that are biological, legal, or emotional.
What is family?Family is made up people that blood related people that live together and family comprise of father, mother, child or children.
Family does not only comprises of only blood related people, a person that is legally adopted can be part of a family and a person in which you tend to share bounds with can be part of you family.
This inturn means that family is made up of people that tend to share one thing in common which is love.
Example a person you are close with, a person that tend to show you care and love and a person that shares their secret with you can tend to become part of your family.
Therefore Families are groups of related people, bound by connections that are biological, legal, or emotional.
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The complete question is:
Which of the following is the sociological definition of family?
a) A group of related people bound by connections that are biological, legal, or emotional
b) The people to whom we feel related and who we expect to define us as members of their families as well
c) A group of people that lives and eats separately from other groups
d) The place where family matters take place
A social consequence of introducing coffee into the highlands of papua new guinea was that?
A social consequence of introducing coffee into the highlands of Papua new guinea was that people had greater access to commodities, young men gained social status, and coffee plantations engulfed all available land.
The highlands run east-west across the island, which is politically divided between Indonesia in the west and Papua New Guinea in the east.
Positive social effects are often subtle and unnoticed (inclusion in a group, social connectedness, or an increase in peer approval), but they encourage future use. Negative social consequences (peer disapproval of use, odor, lack of motivation) may be ignored or attributed to other causes.
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Consumer surplus is best described as the extra benefit consumers receive when they ________.
Consumer surplus is best described as the extra benefit consumers receive when they agreed to pay lower price than they would have been willing to pay.
The extra benefit that consumers gain when they agree to pay a lower price than they would have been willing to pay is best described as consumer surplus.
How significant is consumer surplus?Consumer surplus measures the benefit or gain that consumers derive from their purchases of goods and services. This additional benefit may take many different forms, such as lower purchase-related expenditures, more advantages from using or consuming something, or higher levels of experience satisfaction.Consumers who receive a significant advantage from their purchases are more likely to buy those same things again in the future, therefore consumer surplus is crucial for small firms to take into account.To learn more about Consumer surplus, visit:
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The smallest main breaker that can be installed in a 24-circuit service panel on a single-family dwelling is ___ amps.
'The smallest main breaker that can be installed in a 24-circuit service panel on a single-family dwelling is 100 amps.
What is a circuit?A loop through which current can flow is a circuit. The energy needed for the circuit to function is provided by a power source, such as a battery. From the power source's negative side, electrons move across the circuit and return to its positive side. The circuit is finished once the electrons have returned to the power source. Our favorite example of a basic circuit is an LED connected to a battery. Power passes via the LED from the battery and illuminates it when the LED's negative lead is connected to the battery's negative side and its positive lead to its positive side.
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Consider ______ when designing for display on a mobile device.
a) all of the answers are correct
b) contrast fontsize
c) small screen size
The correct answer is option A. Consider contrast font size, small screen size when designing for display on a mobile device.
Smartphones use a variety of display technologies, including LCD, OLED, AMOLED, Super AMOLED, TFT, IPS, and a few less common ones like TFT-LCD. The IPS-LCD is currently one of the most common display types on mid- to high-end phones.
The screen size is the screen's actual diagonal measurement in inches. Contrast this with resolution, which is the quantity of pixels on the screen that are often shown as a width by height (for example, 1024 x 768).
The number of unique pixels in each dimension that can be displayed depends on the display resolution or display modes of a digital television, computer monitor, or display device.
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True or false? physical addresses must be converted to logical addresses in order to carry out the reference being made.
The statement indicating that 'physical addresses must be converted to logical addresses in order to carry out the reference being made.' is False.
What are computing physical addresses?In computation, physical addresses refer to the address in the memory device in the computer (specific location in the CPU memory), whereas the logical address can be developed by the Central Processing Unit regarding a given computer program.
In conclusion, the statement indicating that 'physical addresses must be converted to logical addresses in order to carry out the reference being made.' is False.
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How have courts traditionally dealt with new technologies and their evidentiary impact on the criminal trial?
The courts have traditionally dealt with new technologies and their evidentiary impact on the criminal trial in such a way that the use of technology has enhanced the efficiency in the courtrooms and the trials can also be conducted in a cost-efficient manner.
Courtroom technology has two distinct aspects: the technology used to acquire evidence and the technology used to present the evidence during a trial.
Criminal justice data collecting benefits legal professionals in a number of ways. For instance, it is possible to keep DNA and fingerprints in databases and utilize them to more swiftly identify suspects. Data can assist law enforcement in identifying criminal trends and taking the necessary measures.
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The conclusion drawn from meta-analyses and large-scale studies that all major psychotherapies yield comparable effect sizes is referred to as the?
The conclusion drawn from meta-analyses and large-scale studies that all major psychotherapies yield comparable effect sizes is referred to as the client variables.
What is known as psychotherapies?This refer to the process of treating psychological disorders and mental distress through the use of verbal and psychological techniques. During the psychotherapies process, a trained psychotherapist will helps the client tackle specific or general problems such as a particular mental illness or a source of life stress.
But depending on the approach used, the wide range of techniques and strategies can be used and almost all types of psychotherapy involve developing a therapeutic relationship, communicating and creating a dialogue, and working to overcome problematic thoughts or behaviors.
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If you have a metamorphic rock, and you bury it and heat it until it melts, and then bring it closer to the surface where it cools and solidifies again, the resulting rock would be _______.
If tina had mentioned that she was just diagnosed with pneumonia, what would you have expected to find during percussion?
I expect that I will find dullness from Tina. In a patient with pneumonia, diffuse infiltrate—an buildup of fluid and inflammatory byproducts—should be accompanied by dull percussion sounds.
Over dense organs like the heart or liver, dull or thudding sounds are frequently audible. When fluid or solid tissue replaces air-containing lung tissues, as is the case with pneumonia, pleural effusions, or tumors, dullness replaces resonance. When someone develops pneumonia, one or both of their lungs' air sacs become inflamed. Breathing difficulties, a fever, chills, and a cough that produces pus or phlegm can all result from the air sacs swelling with fluid or pus (purulent material).
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Irritating demands that occur daily and may cause more stress than major life changes do are called ________..
Irritating demands that occur daily and may cause more stress than major life changes do are called Hassles.
What is Hassles?Daily hassles are annoying, aggravating, and stressful demands that people must deal with on a daily basis, according to Kanner et al. (1981).According to Lazarus, these minor stressors—which can include irksome requests and problematic relationships—cause more stress than significant changes in one's lifestyle.An example would be worries about money, time wasted, being alone, or your health, weight, or fitness.Our negativity and sense of helplessness can increase when we concentrate on and ruminate over our daily troubles. You become furious when you assume someone's actions are motivated by incompetence, bad character, or malicious intent to do you damage. So try to come up with more benevolent explanations for behavior that frustrates or blocks you.Learn more about Hassles here:
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