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Insurance

Variable annuity

An annuity is a financial product that can vary in value depending on the performance of the underlying investments. This means that the value of the annuity can go up or down based on the performance of the securities in which the funds are invested. As a knowledgeable finance professor, it is important to understand the potential risks and rewards of investing in such annuities. It is crucial to carefully consider the underlying securities before making any investment decisions.

No-pay, no-play

One of the fundamental concepts in the world of finance is the notion that those who do not invest in insurance should not be entitled to its benefits. This concept is parti...

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Concurrent causation

In the realm of insurance, there exists a legal principle known as "concurrent causation." Simply put, this doctrine states that in the event of a loss caused by two perils,...

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Disability income insurance

Disability insurance offers financial assistance in the form of regular payments to individuals who are unable to work due to an illness or injury. This type of insurance en...

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Cash value

Life insurance policies often include a savings component, known as the cash value. This is the amount of money that is accumulated over time through regular premium payment...

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