Discussion Questions Assignments | Online Homework Help

Q1. Mary is 65 years old and about to retire. She has 1 million dollar saved to supplement her pension and Social professional writing services near meSecurity, and would like to withdraw it in equal annual dollar amounts so that nothing is left after 15 years How much does she have to withdraw each year if she earns 8% on her money?                                                                                                              6 points

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Q2. You and 4 coworkers just won $ 5 million ($ 1 million each) from the state lottery. Assuming you each receive your share over 10 years and that the state lottery earns a 8% return on its funds, what is the present value of your prize before taxes if you request the “up-front cash” option?                                                                                                              6 points








Q3. Tom’s home is currently valued, on a replacement cost basis, at $400,000. The last time he checked his home was insured for $300,000 and he did not have an inflation guard endorsement. If he has a $40,000 claim due to a kitchen fire, how much will his homeowner’s insurance policy pay? How much would he be paid if his home were totally destroyed? In order to obtain full replacement coverage, how much insurance should Tom carry on his house?        6 points
















Q4. John los everything to a fire and has spent the last 10 weeks living in a motel room at a cost of $6,000. His dwelling, which was destroyed as a result of a lighting strike, was insured with an HO-2 policy for $400,000. Prior to the loss, his home was valued at $480,000, his detached garage and poolhouse were valued at $40,000, and his personal property had an actual cash value of $91,000. To make matters worse he sustained $10,000 in injuries while trying, unsuccessfully, to save his three cats valued at $6,000 each. How much of his total losses and expenses will reimbursed if he has a $5,000 deductibles?                                                                       6 points








Q5. With your expertise in investments, you purchase 100 shares of Microsoft for $37 per share. Over the next 12 months assume the price goes up to $45 per share, and you receive a dividend of $0.50 per share. What would be your total return on your Microsoft investment? Assuming you continue to hold the stock, calculate your after-tax return. How is your realized after tax return different if you sell the stock? In both cases assume you are in the 25% federal marginal tax bracket and there is no state income tax on investment income.                            6 points




















Explanatory Questions

(Each 2 points)

  1. What is the difference between investing and speculating?












  1. Please list packaged policies – HOs.







  1. What do you mean by annuities?












  1. Please explain difference between Names Perils vs Open Perils in property insurance?















  1. How does insurance credit score help a property insurer?




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