According to the graph, is North Carolina one of the states where your credit score affects the price of your car insurance a lot, or not a lot?

  1. As tempted as I am to ask you a question on this, it’s not fair without points.  And Personal Advice is still optional.

2.Will an insurance policy underwriter go out of business if they barely pay out more in claims than they make in insurance premiums?  Explain.

  1. In “property & casualty” insurance, what’s “property” and what’s “casualty?”
  2. According to the graph, is North Carolina one of the states where your credit score affects the price of your car insurance a lot, or not a lot?
  3. According to the video, if you have a “No Trespassing” sign on your property and someone twists their ankle on a pothole in your lawn while coming to surprise your door selling Girl Scout cookies, what happens when they sue you for the medical costs?
  4. Even if you have so much money saved that your home value is trivial to you, why might you still want to carry homeowner’s insurance (and probably an umbrella policy as well)?
  5. Can medical costs cause personal bankruptcy?
  6. Who should prefer an HSA, someone with low (or no) medical expenses or someone with regularly occurring medical expenses?  Explain.
  7. To which city would that one health insurance provider in Utah pay some of its customers to go get their prescriptions filled?  (Hint:  It’s not in Utah.)
  8. Summarize which Jaspreet prefers, whole or term life insurance, and why.
  9. Is it possible that someone with no financially dependent relatives might want to buy life insurance with a charity as the beneficiary?
  10. If one of your parents died and you will be a senior in high school when you turn 19 in February, when do your Social Security Survivors Benefits stop?
  11. What percentage of workers are expected to suffer a disability which isn’t covered by worker’s compensation?  (You might want to show your work for partial credit.)
  12. What does long-term care insurance cover?  Is it easy to find as a stand-alone product?
  13. I chose the travel insurance video because the other ones I could find were extremely long.  What is the best introduction to travel insurance video you can find?  (Answer with a link to it.)
  14. How does WSSU’s two-factor authentication for your e-mail account work?  In other words, what does it do?