Deductible: A deductible is the amount of money an individual pays for expenses before his insurance plan starts to pay. Typically, plans with low deductibles and out-of-pocket limits will also have higher premiums. Explain. ii. Lehman has provided you with the following data, which he believes may be relevant to your task. Framework. Use non-slip footwear. Life insurance can be most valuable in which of these cases? The expected rate of return on the T-bond investment is 7.5%. Landlords also have certain rights. -Your age: younger drivers have less experience and pay higher premiums. Would the correlation between returns on these stocks matter? b. the amount of risk or liability that is covered for an individual or entity by of insurance services, any insurance policy that protects an individual or business from the risk that they may be sued and held legally liable for something such as malpractice, injury or negligence, any condition for which the patient has already received medical advice or treatment prior to enrollment in a new medical plan, medicare provides federal health coverage if you are 65 or older; medicaid is a state and federal program that provides health coverage if you have a very low income, a special account you put money into that you can use to pay for certain out-of-pocket health care costs; you don't pay taxes on this money, the individual or group of individuals named to receive the benefit of a life insurance policy, the most basic kind of bank account that allows you to deposit money, keep the funds safe, and withdraw as needed; typically have interest rates, but they are pretty low compared to other rates, making them pretty low-risk, an interest-bearing account that typically has a higher interest rate than a savings account and provides the holder with limited check-writing ability. Check all that apply, Read the passage about Nelson's car insurance, People are invited to invest and become Partners in a business, the business owners will then __________ the rest, When an insurance company needs to provide a payout, the money is removed from, Fundamentals of Financial Management, Concise Edition, Marketing Essentials: The Deca Connection, Carl A. Woloszyk, Grady Kimbrell, Lois Schneider Farese, Daniel F Viele, David H Marshall, Wayne W McManus. Once the deductible is met, the insurer pays losses in excess of the deductible. C What is the purpose of insurance? They let emotions rather than common sense guide them. payment services performed under regulation on a mobile device. What is Colemans overall, or weighted average, cost of capital (WACC)? Usually, the monthly premium is lower, but you have to pay more out-of-pocket to meet your deductible before the insurance company begins to pay. Flat dollar amount deductibles. If the covered charges for an mri are $2,000 and your coinsurance is 20 percent, you need to pay $400 ($2,000 x 20%). Over the course of a year, the average health spending for a family of four in the U.S. was $25,011 in 2020. This deductible means that all losses that occur during a specified time period, usually a policy year, are accumulated to satisfy the deductible amount. In September, you break your arm. When it comes to home insurance, the deductible may vary for different types of claims. The fundamental purpose of coinsurance is to achieve equity in rating. A health insurance deductible is one of the main things you need to know when choosing your insurance plan. Colemans common stock is currently selling for$50.00 per share. An insurance deductible is the amount of money you will pay on an insurance claim before the insurance coverage kicks in and pays the rest. Arrington plans to sell new common stock in the amount of$130,000 The firms profit margin on sales is 5%; 35% of earnings will be retained. An eviction notice usually means you will lose your security deposit and you can be forced to pay heavy penalties and fees. What factors should your committee consider when setting the CEOs compensation? 1. And since the first Baby Step is to save up a $1,000 starter emergency fund, you'll have the savings on hand to cover your deductible. Your insurer will pay $2,500 to repair your car, and you'll be responsible for the remaining $500. The average individual deductible was $4,364 the family deductible averaged $8,439. A deductible is a component of cost sharing. -Repair record of the car: the more easily car damage can be repaired, the lower the premium. Check all that apply, The insurance company must verify the claim. When you make a claim, your insurance deductible is . Your renters insurance pays for 100% of your loss. l. Should the company use the composite WACC as the hurdle rate for each of its projects? When you lease you normally have a longer term contract and can't move out early without paying big penalties. Each of these stocks has the same return characteristics as the one stockthat is, a 5050 chance of being worth zero or $11,500 at year-end. Adoption fees go straight into the general fund for medical expenses, dog food, dog supplies, admin overhead and promotions of the rescue. Insurance that protects your family against financial loss due to your death is answer choices coinsurance disability insurance life insurance comprehensive insurance Question 15 30 seconds Q. What is the expected value of the gamble? If I want to get the right place, I always have to do my homework and keep emotion out of my decision. Its last dividend $\left(D_{0}\right)$ was $4.19, and dividends are expected to grow at a constant annual rate of 5% in the foreseeable future. You may hear the phrase that coverage begins "after you pay a deductible.". Study then take the test - screenshot the test grade and upload it, All insurance companies charge the same rates for insurance coverage. What annual rate of return must the fund portfolio earn for you to be better off in the fund than in the CD? High deductible health plans carry higher deductibles, but they can offer access to health. clause is a provision commonly found in United States automobile insurance policies that provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver. Making repairs in a reasonable amount of time. valuable papers and records coverage form. Property insurance d) Is not covered. 1. For example, if one action increases a firms stock price from a current level of $20 to$25 in 6 months and then to $30 in 5 years, but another action keeps the stock at$20 for several years but then increases it to $40 in 5 years, which action would be better? Should stockholder wealth maximization be thought of as a long-term or a short-term goal? The exchange rate at the end of the year is expected to be $1.53 per pound, and the pound is expected to depreciate 5% against the dollar each year for an indefinite period. \end{matrix} With your permission we and our partners may use precise geolocation data and . | 3 | , R0215 Richtig Ausfllen Muster / Hinweise Die Medizinisch Begrundet Besonders Dringlich Sind Alle Ubrigen Falle Sind Als Normalfall Zu Kennzeichnen Pdf Free Download, Shaving Your Balls - 25 Best Memes About When You Shave Your Balls Meme When You Shave Your Balls Memes. Suppose you won the lottery and had two options: (1) receiving $0.5 million or (2) taking a gamble in which, at the flip of a coin, you receive$1 million if a head comes up but receive zero if a tail comes up. Ad 15%^ off on your first year's premium for a new car insurance policy purchased online. Patients with indemnity insurance are compensated for medical expenditures after making out-of-pocket payments. ), the methodology insurers use for evaluating and assessing the risks associated with an insurance policy, a person who compiles and analyzes statistics and uses them to calculate insurance risks and premiums, the details of the terms and conditions of a contract of insurance; the holder is the person who enters into this contract with the insurance company, an insurance claim is a formal request to an insurance company asking for a payment based on the terms of the insurance policy; the insurance company reviews the claim for its validity and then pays out once confirmed, in order to provide the full allotted coverage, the amount of money you will pay in an insurance claim before the insurance coverage starts paying it for you; you have to come up with the amount of money for your deductible before a claim gets paid in many circumstances, The regular amount you pay (monthly, etc. Use Three Points of Contact. However, it does not include earthquake and flood damage, maintenance issues (you should be keeping good care of your house), size of house, zip code (location), response time, building materials, personal claim record, premiums and deductibles (auto insurance), premium = the regular amount you pay for your car's insurance, bodily injury (liability) [type of auto insurance], medical payments [type of auto insurance], What is covered? b. b) Counts toward deductible. Does this suggest that you have made a mistake? For example, if the insurance company pays 80% of the claim, you pay 20%. Subletting without permission normally means you have defaulted on your agreement and means you may have to pay heavy penalties. However, premiums are generally lower, and there is usually no deductible or a low one. Other common auto insurance deductibles are $250 and $1,000, but drivers should take several factors into account before deciding which one is right for them. Typically, the deductible for car insurance is a flat amount, such as $500 or $1,000. At year-end 2016, total assets for Arrington Inc. were $1.8 million and accounts payable were$450,000. In health insurance, if a doctor charges $50 more than what the insurance company considers usual, customary and reasonable, the extra cost a) Must be covered by the insurer. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself. Taking reasonable care of the property, giving notice if leaving at the end of the lease, using the rental for the purpose stated in the lease. You are considering an investment in a mutual fund with a 4% load and an expense ratio of .5%. Which questions about risk should someone ask before making a big purchase? Comprehensive and collision are the two most common car insurance coverages that include deductibles. For example, if one action increases a firms stock price from a current level of $20 to$25 in 6 months and then to $30 in 5 years, but another action keeps the stock at$20 for several years but then increases it to $40 in 5 years, which action would be better? 2. You don . When a disaster strikes your home or you have a car accident, the amount of the deductible is subtracted, or deducted, from your claim payment. $$ Your renters insurance pays for 100% of your loss. An insurance deductible is the amount taken out of an insurance check when you make certain types of claims. You need multiple health care services, including tests and an MRI, in the first months of the. Medical insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. Health insurance is a little different from . What is the cost in U.S. dollars of the second 15,000 cases if payment is made in 90 days and the spot rate at that time equals todays 90-day forward rate? False (the operation itself sets standards for purchasing, government sets for some). C What are some of the obligations you must fulfill for an insurance policy to be in effect? 1. An HDHP is a plan with a higher deductible than a traditional insurance plan. Landlords have certain responsibilities. \begin{matrix} A salesperson closes the sale on one of the biggest accounts she has ever landed it has potential to grow bigger. Why? A person or company that is renting the apartment or house to you. Fundamentals of Engineering Economic Analysis, David Besanko, Mark Shanley, Scott Schaefer, Statistical Techniques in Business and Economics, Douglas A. Lind, Samuel A. Wathen, William G. Marchal. An Insurance Deductible Is Quizlet W Se Review Mindmap Diagram Quizlet An Insurance Deductible Is Quizlet Telesecmanueljimenez from quizlet.com When filing an insurance claim, the policyholder must pay a _____, which is the amount you owe before insurance will cover the rest of the bill. An Insurance Deductible Is Quizlet / The Leading Cause Of from belumbaligh.blogspot.com. For the bond-yield-plus-risk-premium approach, the firm uses a risk premium of 4%. Most pet insurance companies will offer you several deductible options, ranging from $100 or as high as $1,000. \text{Spot} & \text{0.7644} & \text{1.3082}\\ foolproof module 6 final test answers; foolproof module 6 test answers economics; foolproof module 6 test answers; 2000s music lyrics quiz; american pageant test bank cd; 2008 ap biology practice exam answers princeton review; practice fdcpa test; ops 571 final exam justanswer; fema 800b . Which statement is true about "subletting"? b. A \text{90-day forward} & \text{0.7606} & \text{1.3148}\\ Colemans target capital structure is 30% debt, 10% preferred stock, and 60% common equity. The insurance company will pay the claim amount to you or directly to the hospital only when the deductible amount is paid. You can buy collision damage insurance with a $1000 deductible. f. What is the bond-yield-plus-risk-premium estimate for Colemans cost of common equity? Foolproof Module 6 Test Answers Quizlet - worksgrab.com. If you choose a higher deductible, your premiums will be lower. This policy ensures continuity and provides large accounts with special attention. How much new long-term debt financing will be needed in 2017? The amount an insured person must pay before the insurance company pays a claim. If it is determined that it will cost $5,000 to fix damages, you will have to pay the first $1,500 of the repair costs. If you cause damage to the apartment, a landlord can and almost certainly will keep part or all of your security deposit. Assume a cost of equity capital of 11% for the subsidiary. In what way does a deductible help an insurance company? August 03, 2021 fee paid for insurance/rate charged. Why is there a cost associated with retained earnings? Your health plan has a $1,000 deductible, 20%/80% coinsurance and $5,000 out-of-pocket maximum. If you were also a vice president of Company X, might your actions be different than if you were the CEO of some other company? Your health insurance deductible is the amount you pay before your insurance plan's benefits begin. The law requiring that toys and infant products be tested before sale is called the: Slips/Trips/Falls. The firms financial manager, Sarah Vintnor, has noted the following current spot and forward rates: Why or why not? The deductible on your insurance is the amount of money on an insurance claim you would pay before the insurance company pays. The firms tax rate is 40%. What is the biggest mistake most people make when they select a place to rent? The vice president of sales congratulates her and then proceeds to explain a company policy regarding house accounts: All large accounts are redassified as house accounts and are serviced by the vice president. Agreeing to a higher deductible will lower your premium. You may also have a deductible for personal injury protection or . The deductible is paid once a year. Explain. The deductible is the amount that the patient must pay before the insurance company will start paying. The higher deductible you choose, the lower the premium will be. What is the firms cost of preferred stock? What responsibility does that put on you? d. 1. What are some of the factors that would influence your insurance costs? An Insurance Deductible Is Quizlet : Health Policy Flashcards Quizlet. Arvin Australian Imports has agreed to purchase 15,000 cases of Australian wine for 4 million Australian dollars at todays spot rate. The out-of-pocket maximum is the next threshold, and when your total spending reaches the . A health insurance deductible is the proportion of the medical/hospitalisation expenses that you have to pay out of your pocket before you can make an insurance claim. Why or why not? You should always find your apartment first and then figure out how to pay for the rent afterwards. What your deductible is will also determine what your . False a. a means of protection from financial loss, typically an unexpected loss out of the control of the person, the likelihood that the insurance company will have to pay a claim (how likely is this expense to happen to you? 1. The lower the deductible you choose, the higher the premium you'll pay. Entrepreneur keeps backup funds in a savings account so that if their business experiences a loss, they will be able to recuperate. Your insurance company will then start paying for your insurance-covered medical expenses. This means you'll pay the expense, but the payment won't get you closer to reaching your deductible. c. 1. We believe annual deductibles are easier to understand and more beneficial to you as a . Keep in mind that deductibles and premiums are related. When you file an insurance claim, your insurance company pays for most of the cost. a. Deductibles are typically $250, $500, or $1,000. Deductible amounts typically range anywhere from $100 to $2,000. 2. In 2020, health insurance premiums for unsubsidized individual customers were $456 per month on average, while family premiums averaged $1,152 per month. $35 fee on returned checks. In order to decide if you should raise your deductible, you should find out how long it will take to break even. See how they help determine the cost of your policy and how much you may receive after a covered loss. An Insurance Deductible Is Quizlet : Tax Exam 2 Diagram from lh6.googleusercontent.com Only 80% of charges will be reimbursed d. Disability income insurance uses a special type of deductible. A deductible is the portion of the veterinary bill you're responsible for before the 90% coverage starts. Coleman incorporates the flotation costs into the DCF approach. Choose one landlord right from the answers below. a deposit account that allows withdrawals and deposits; very liquid and can be accessed using checks, ATMs, etc. In the Change of Occupation provision, if an insured switches to a less hazardous job and a claim occurs the insurer will: Cost of the policy is found under which part of the insurance contract. Covered medical expenses are added to or accumulated toward a deductible over the course of a year and then start over the next year. Should stockholder wealth maximization be thought of as a long-term or a short-term goal? For example, if your coinsurance is 80/20, it means that your insurance pays 80% and you pay 20% of the bill after you've met your annual deductible. deductible the amount of money you will pay in an insurance claim before the insurance coverage starts paying it for you; you have to come up with the amount of money for your deductible before a claim gets paid in many circumstances premium The regular amount you pay (monthly, etc.) Ignore flotation costs. g. What is your final estimate for$r_s$? The current price of Colemans 12% coupon, semiannual payment, noncallable bonds with 15 years remaining to maturity, is $1,153.72. ), relationship between premium and deductible (auto, home, health), The higher your deductible, the lower your premium, The percentage you pay of your expenses (for example, the company might pay 70% and you may pay 30%) - health care, the amount you have to pay each time you access something (for example, 25$ each time you go to the doctor). Colemans beta is 1.2, the yield on T-bonds is 7%, and the market risk premium is estimated to be 6%. New bonds would be privately placed with no flotation cost. In what way does a deductible help an insurance company? The superintendent can assess administrative costs equal to. 2. A health insurance deductible is the amount of money that an insured person must pay out of pocket every year for eligible healthcare services before the insurance plan begins to cover the costs . If you choose a low deductible, your insurance company sees you as a higher risk and willyou guessed itgive you a higher premium. d. Suppose the payoff was actually $0.5 millionthat was the only choice. j. c) The amount of the insurance proceeds is reduced if the insured is partly at fault. Suppose the population of Area Y is relatively young, and the population of Area O is relatively old, but everything else about the two areas is the same. You now face the choice of investing it in a U.S. Treasury bond that will return$537,500 at the end of a year or a common stock that has a 5050 chance of being worthless or worth $1,150,000 at the end of the year. Wednesday, October 12 2022. Which of these is the tenant's responsibility? If its required return is 15%, what is the stocks expected price 4 years from today? a. $$ most states require drivers to carry mandatory liability insurance coverage to ensure that their drivers can cover the cost of damage to other people or property in the event of an accident; some states, such as Wisconsin, have more flexible "proof of financial responsibility" requirements, age, gender, accident/ticketing history, grades (if still at school), type/age of car, provides permanent lifelong coverage; the premium stays the same for as long as you live, the death benefit is guaranteed, the cash value account grows at a guaranteed rate. The percentage of the population aged 60 and over was 15.2 per cent in 2015 and it is expected to Geropolis, Chile. A car insurance deductible is the amount of money you have to pay for repairs or injuries after a covered incident. Your insurance company pays the rest. Suppose you are an assistant to Jerry Lehman, the financial vice president. If i make a lot of claims on my insurance, my insurance cost will go up. It lowers the payout the company has to make, What must happen in order for an insurance company to make a payout? Which statement is true about "subletting"? What is the purpose of a deductible in the context of an insurance policy? After all foreign and U.S. taxes, a U.S. corporation expects to receive 2 pounds of dividends per share from a British subsidiary this year. For example, if a broken windshield costs $400 to replace and your deductible is $250, you'll pay $250 and your insurer will pay $150. On the same day, Vintnor agrees to purchase 15,000 more cases of wine in 3 months at the same price of 4 million Australian dollars. Before proceeding with the expansion, the company must estimate its cost of capital. Should the costs be historical (embedded) costs or new (marginal) costs? With a $2,000 deductible, for example, you pay the first . Suppose that you went to a farmers' market and found several different farmers selling cucumbers. Coleman does not use short-term, interest-bearing debt on a permanent basis. What is the amount that will be paid for loss of earnings. We will hold the fee for 1 week to make sure he/she is a good fit. In some cases, the deductible may be waived because the service is already free or at a low cost under your plan. Which choice is the correct statement about "comprehensive" insurance? A good deductible for auto insurance is an amount you can afford after an accident or unexpected event, although most drivers pick an average deductible of $500. You have a $500 deductible and $3,000 in damage from a covered accident. Explain. b. 3. The sales rep would earn commission on the initial sale, but not on future sales for this account Do you think this selling policy is ethical? Coleman Technologies is considering a major expansion program that has been proposed by the companys information technology group. You would probably have to pay more than $500 to buy the insurance. Total assets and accounts payable are proportional to sales, and that relationship will be maintained; that is, they will grow at the same rate as sales. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself. Like all auto coverage, your collision insurance has a payout limit. The dollar limits (in thousands) for auto liability insurance coverage: Donald E. Kieso, Jerry J. Weygandt, Terry D. Warfield, Daniel F Viele, David H Marshall, Wayne W McManus. 4. Common stock amounted to$500,000 in 2016, and retained earnings were $475,000. 3. \text{ } & \text{U.S. Dollar/ Australian Dollar} & \text{Australian Dollar/ U.S. Dollar}\\ Only 80% of charges will be reimbursed d. Is the shared cost amount (per their health plan). Choose the most important landlord responsibility from the answers below. Would you be likely to find a wide range of prices for cucumbers? A fixed percentage you pay for medical expenses after the deductible is met. In which cases does property insurance normally give you coverage? (PayPal, Apple Pay). An insurance deductible is the amount of money you, the policy holder, have to pay for services or . Covers damage done to your vehicle when you are in a crash with another vehicle . Health insurance with a 500 deductible. a. After you pay your deductible, you usually pay only a. copayment. Would you take the sure $0.5 million or the gamble? The expected profit on the T-bond investment is$37,500. A deductible is your up-front contribution to a claim that is factored into what insurance will pay out. What is the expected dollar profit on the stock investment? An insurance policy requires that you pay a premium for coverage. Deductible The amount you pay for covered health care services before your insurance plan starts to pay. ( Medicare Part A works differently, with deductibles that apply per benefit period rather than per year.) Should the compensation consist of a dollar salary, stock options that depend on the firms performance, or a mix of the two? relationship between premium and deductible (auto, home, health) A $1,000 deductible usually means you'll pay a lower premium. On the other hand, if you don't consume much health care, choosing a higher deductible/ out-of-pocket limit could lower your overall costs. If performance is to options that depend on the firms performance, or a mix of the two? An Insurance Deductible Is Quizlet. a) Risk of loss is shared between the insurer and insured. According to many consumer advocates, you should NOT furnish your apartment by going to a "rent-to-own" company because the cost of renting-to-own is much more expensive than the cost of buying. 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