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Insurance

Earnings multiple approach

A commonly used term in employee benefits, a group life plan provides an employee with a predetermined amount of life insurance coverage, typically one or two times their annual salary. This type of plan is offered by an employer to their employees as a form of financial protection in the event of an employee's death.

Rider

An addendum, also known as an attachment, is a crucial element of an insurance policy that modifies its coverage or terms. This document is often overlooked but holds great i...

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Vicarious liability

As a finance professional, it is important to understand the concept of vicarious liability. This refers to the legal responsibility one may have for the actions or wrongdoi...

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Life insurance

When it comes to insurance, there are three main types to consider: ordinary life insurance, term insurance, and whole life insurance. Ordinary life insurance provides cover...

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Ownership

Life insurance policies are governed by their owners, who hold all rights, benefits, and privileges. The owner of a policy may or may not be the insured individual, and owne...

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