FIN 428 All Assignments
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FIN 428 Week 1 Short Answer Assignment FIN 428 Week 1 Risk Essay FIN 428 Week 2 Insurance Viewpoints FIN 428 Week 2 Risk Management Elements & Techniques FIN 428 Week 3 Team Life Insurance Analysis FIN 428 Week 3 Signature Assignment Life Insurance Business Purposes FIN 428 Week 4 Team Long-Term Care & COBRA Coverage Scenario Analysis FIN 428 Week 4 Income Disability Insurance Policy Worksheet FIN 428 Week 5 Team Insurance Evaluation Scenario Analysis FIN 428 Week 5 Auto and Homeowner’s Insurance Policy Worksheets FIN 428 Week 1 Risk Essay
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FIN 428 Week 1 Risk Essay Write a 700- to 1,050-word essay answering the following questions: § Evaluate the risks you face as an individual. § Explain which of these risks you elected to retain and which you have transferred. § Propose how insurance companies could help you mitigate risk. Format your paper consistent with APA guidelines. Click the Assignment Files tab to submit your assignment as a Microsoft® Word document FIN 428 Week 1 Short Answer Assignment
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FIN 428 Week 1 Short Answer Assignment Resource: Week 1 Short Answer Assignment Document. Access the document. Complete the questions in two to four sentences.
Click the Assignment Files tab to submit your assignment. Week 1 Short Answer Assignment Complete the questions below in two to four sentences. 1. Define risk. In your definition, state the relationship between risk and uncertainty.
2. Risk may be classified in several ways. List the principal ways in which risk may be categorized, and explain the distinguishing characteristics of each class.
3. List the four types of pure risk facing an individual or an organization and give an example of each.
4. Explain why the number of risks and the severity of losses increase over time.
5. Identify the two broad approaches to dealing with risk recognized by modern risk management theory.
6. Identify and briefly describe the six steps in the risk management process.
7. What is the relationship between risk management and insurance management? In your answer, you should demonstrate an understanding of the difference between the two fields.
8. Distinguish among traditional risk management, financial risk management, and enterprise risk management.
9. List and explain each of the desirable elements of an insurable risk.
10. Explain the dual application of the law of large numbers as it pertains to the operation of insurance. FIN 428 Week 2 Insurance Viewpoints
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FIN 428 Week 2 Insurance Viewpoints Define insurance from the viewpoint of the individual and of society. Write a 30- to 45-word response for each of the following questions: 1. Identify and explain the two essential features in the operation of insurance. 2. Explain how the law of large numbers supports the operation of the insurance mechanism. 3. Identify and explain the desirable elements of an insurable risk. 4. Explain what is meant by adverse selection and why it is a problem for insurers. 5. Explain the economic contributions of insurance. Click the Assignment Files tab to submit your assignment as a MicrosoftÂŽ Word document. FIN 428 Week 2 Risk Management Elements & Techniques
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FIN 428 Week 2 Risk Management Elements & Techniques
Write a 700- to 1,050-word paper in which you explain the elements of the risk management process. Provide examples of the primary risk management techniques.
Format your paper consistent with APA guidelines.
Click the Assignment Files tab to submit your assignment as a MicrosoftÂŽ Word document. FIN 428 Week 3 Signature Assignment Life Insurance Business Purposes
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FIN 428 Week 3 Signature Assignment Life Insurance Business Purposes Write a 350- to 700-word essay that addresses the following: Identify the principal business uses of life insurance. Explain the principal business uses of life insurance. Describe two scenarios involving a business use of insurance. Format your paper consistent with APA guidelines. Click the Assignment Files tab to submit your assignment as a Microsoft® Word document FIN 428 Week 3 Team Life Insurance Analysis
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FIN 428 Week 3 Learning Team: Life Insurance Analysis Resources: Universal Sample Policy, Universal Life Worksheet, Whole Life Sample Policy, Whole Life Worksheet Read the following sample life insurance policies: Universal Life Whole Life
Complete the sections in the worksheets for each sample policy after collaborating as a team. Click the Assignment Files tab to submit your assignment. Note. Grades are awarded based upon individual contributions to the Learning Team assignment. Each Learning Team member receives a grade based upon his/her contributions to the team assignment. Not all students may receive the same grade for the team assignment. FIN 428 Week 4 Income Disability Insurance Policy Worksheet
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FIN 428 Week 4 Income Disability Insurance Policy Worksheet Resources: Income Disabilty Policy Sample, Income Disability Worksheet Read the Income Disability Sample Insurance Policy. Complete the Income Disability Insurance Policy Worksheet in 45 to 90 words per question. Click the Assignment Files tab to submit your assignment as a Microsoft® Word document. Note. “Income Disability Policy Sample” and “Income Disability Sample Insurance Policy” are the same document. FIN 428 Week 4 Team Long-Term Care & COBRA Coverage Scenario Analysis
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FIN 428 Week 4 Team Long-Term Care & COBRA Coverage Scenario Analysis Complete the instructions for both scenarios: Scenario 1: Long-Term Care Insurance Coverage Betty Hall is a 62-year-old Army veteran in good health. She retired from the military five years ago after 30 years of service. Should Betty need care, she would likely qualify for Veterans Administration (VA) benefits to pay for the cost. However, it may take a year or longer before she receives approval for services. During that time, she would have to pay the cost of care out of her current income or by liquidating assets on an as-needed basis. Develop an appropriate long-term care insurance plan for Betty based on needs, financial resources, policy coverage, and cost. Write a 350- to 700-word analysis of the scenario, including the long-term care insurance plan you developed for Betty.
Scenario 2: COBRA Insurance Coverage Bob Smalls is 63-year-old who lost his job due to a corporate restructuring, and his employer has told him he is COBRA eligible. Bob has no liquid savings, and is in poor health. Consider alternatives for acquiring health coverage, including COBRA, Affordable Care Act, and Medicaid. Write a 350- to 700-word analysis of the scenario, including an explanation of alternatives for acquiring health coverage, including COBRA, Affordable Care Act, and Medicaid.
Click the Assignment Files tab to submit your assignment as a Microsoft® Word document. Note. Grades are awarded based upon individual contributions to the Learning Team assignment. Each Learning Team member receives a grade based upon his/her contributions to the team assignment. Not all students may receive the same grade for the team assignment. FIN 428 Week 5 Auto and Homeowner’s Insurance Policy Worksheets
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FIN 428 Week 5 Auto and Homeowner’s Insurance Policy Worksheets Resources: Homeowner’s Sample Policy, Homeowner’s Worksheet, Auto Sample Policy, Auto Insurance Policy Worksheet. Read the following sample insurance policies: Homeowners Auto Complete the worksheets for each sample policy. Click the Assignment Files tab to submit your assignment as a Microsoft® Word document. FIN 428 Week 5 Team Insurance Evaluation Scenario Analysis
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FIN 428 Week 5 Team Insurance Evaluation Scenario Analysis Read the following case scenario in which you are the financial planner. Jennifer and Brian Jones (both age 50) live in Santa Fe, New Mexico. They own a home currently valued at $300,000, with a $175,000 mortgage. They have $250,000 of homeowner’s insurance coverage. The replacement cost of the structure, however, is close to $350,000. Their auto insurance has a $100,000 liability limit. They have $100,000 in investment assets held in individual IRA accounts, consisting of mutual funds. The Jones family obtains their health insurance coverage through their employer, but dental visits and eyeglasses are not covered. They are spending their entire income and not saving. They both work, and each earns $55,000. They both plan to retire at age 66 on their state pension fund (they are both state employees) and Social Security retirement benefits, which they believe to be adequate. They are eligible for Social Security survivors and disability benefits and are fully insured for retirement benefits, currently available equal to $2,400 per month in today’s dollars. They have no children. Neither has any disability insurance, but Steve has $100,000 of life insurance. They have asked you to evaluate their life, disability, liability, and homeowner’s insurance needs. Write a comprehensive 350- to 700-word insurance evaluation in response to your client. Explain the risks that the family has, and provide recommendations to mitigate those risks. Click the Assignment Files tab to submit your assignment as a Microsoft® Word document. Note. Grades are awarded based upon individual contributions to the Learning Team assignment. Each Learning Team member receives a grade based upon his/her contributions to the team assignment. Not all students may receive the same grade for the team assignment.