the authority to change the beneficiary in an individual annuity lies with the

Answers

Answer 1

The authority to change the beneficiary in an individual annuity lies with the annuity owner.

The annuity owner has the power to change beneficiaries or to even cancel the contract. An annuity is a contract between the owner and the insurance company that provides a source of income in exchange for a premium payment or series of payments. The annuity contract provides several options to the owner, including the right to choose who receives the payments when they die.

The owner may change the beneficiary by completing a form provided by the insurance company. If the owner dies without naming a beneficiary, the proceeds will go to their estate. In summary, the annuity owner has the authority to change the beneficiary in an individual annuity.

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Related Questions


Stuart kidnapped his neighbor's twelve-year-old daughter and demanded ransom from her parents

Answers

Answer:

cool

Explanation:

very cool

n 2019 the legislature created a state income tax in order to provide more equal school funding across texas school districts.quizlet

Answers

To achieve more equal school funding, the legislature created a state income tax in 2019 for Texas school districts.

In 2019, the legislature implemented a state income tax in Texas with the objective of promoting more equitable school funding across school districts. The decision to introduce this tax was driven by the recognition that the existing funding system for schools in Texas was not adequately addressing the disparities in resources and opportunities among different districts.By introducing a state income tax, the legislature aimed to generate additional revenue that could be directed towards education and distributed in a more equitable manner. The income tax would provide a sustainable and reliable source of funding, allowing the state to allocate resources based on the needs of individual districts. This would help address the disparities in funding levels and provide all students with an equal chance to receive a quality education.The creation of a state income tax was seen as a means to ensure that schools in economically disadvantaged areas would have access to sufficient resources, facilities, and educational programs. It aimed to level the playing field and create a more balanced and fair education system across Texas.In summary, the legislature implemented a state income tax in 2019 to achieve more equal school funding by generating additional revenue and allocating resources based on the needs of Texas school districts, particularly those in economically disadvantagedareas.

complete question should be Why did the legislature create a state income tax in 2019 for Texas school districts, according to the objective of achieving more equal school funding?

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100 POINTS!!! NEED GOOD EXPLANATION! QUICK! Part 1: What is jury duty and why is it important in a democracy? Part 2: What did you learn about the criminal court process and how conflicting points of view are presented in a courtroom?

Answers

part 1 : jury service is important to our democracy because it does promote civic participation, in that it provides unbiased views and resolution to evidence presented in a case in a court of law.

Which is the newest monotheistic faith?

Answers

The newest monotheistic faith is ISLAMIC FAITH!!! Hope this helps

Discuss how fraud and corruption may negatively impact economic growth and development of a country​

Answers

Answer:

This can be seen if we look at many 3rd World countries today.

Explanation:

In societies which do not have a genuine democratic process, then those who have access to power also have access to fraud and corruption. The emergence of countries in Africa and Asia as a result of decolonization led to such scenarios.

You had the emergence of dictators who, by force, could appropriate billions in foreign aid for personal wealth, thus creating obscene personal fortunes. President Mobutu of Zaire was a classic example.

This obviously impacts negatively in the growth and development of Zaire as a society in that the money which should be being invested in economic and social development is being squandered on personal fortunes.

Of course those giving the "aid" are not blameless. In Zaire's case Western governments and companies are quite happy to keep a dictator in power in return for access to that country's raw materials, in Zaire's case copper.

However it would be wrong to imply that fraud and corruption are confined to developing countries. The role of power pressure groups and the process of lobbying builds in an automatic advantage to the powerful in developed countries at the expense of the vulnerable and powerless.

Fraud and corruption can discourage foriegn investors from investing in a corrupt country. This would lead to a scarcity of funds needed to carry out activities that can lead to economic growth.

What is fraud and corruption?

Fraud are deliberate acts taken taken to descie others for the purpose of achieving gains. Corruption is when power is abused by people in authority.

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Did people who moved from the countryside to towns and cities have higher standards of living?

Answers

Answer:

NO they did not.

Explanation:

Answer:

It should be “ They moved to live on the country side.”.

in what ways did sheikh zayed support women during his time as a president of the UAE?

Answers

The ways that sheikh zayed support women during his time as a president of the UAE is that he made women to enjoy the same legal status as well as claim to titles, access to education under the constitution.

How did Sheikh Zayed work in UAE and affect women positively?

It should be noted that  sheikh zayed was been credited as the founding father as well as the principal driving force behind the formation of the UAE.

It should be noted that he was able to bring unity to the seven emirates.  and was regarded as the  ruler of Abu Dhabi , he was able to give women alot of freedom because Under the Constitution, women enjoy the same legal status, and they can access  education as well as the right to inherit property as men.

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What was the nickname of the Battle of Antietam?

Answers

Answer:

Battle of Sharpsburg.

Explanation:

Because of the many technical complexities, the cost of developing a sophisticated ____ can run to tens of millions of dollars and take hundreds or thousands of person-years to design and implement.

Answers

Because of the many technical complexities, the cost of developing a sophisticated MMOG can run to tens of millions of dollars and take hundreds or thousands of person-years to design and implement.

What is MMOG?

Massively multiplayer online games (MMOGs or more commonly known as MMOs) are online video games with large numbers of players, often hundreds or thousands, on the same server. MMOs usually have a large, continuous open world, although with different gameplay. These games can be found for most network enabled platforms including PCs, video game consoles or smartphones and other mobile devices.

MMOs can allow players to cooperate and compete on a large scale, and sometimes meaningfully interact with people around the world. They include many different types of games, representing many genres of video games.

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People give one answer to a survey question when they are told the survey was sponsored by the Republican Party and a different answer when they are told it was sponsored by the Democratic Party. One possible reason for the difference is

Answers

The possible reason why people give one answer to a survey question when they are told the survey was sponsored by the Republican Party and a different answer when they are told it was sponsored by the Democratic Party is the issue of response bias.

What is response bias?

Response bias is a type of cognitive bias that occurs when people tend to provide an inaccurate or untruthful response to a question. People may be motivated to respond in a way that aligns with their beliefs or conforms to social norms.

What is the role of social desirability bias in response bias?
Social desirability bias is a type of response bias that occurs when respondents tend to over-report socially desirable behaviors and under-report socially undesirable behaviors.In surveys that ask about sensitive or taboo topics, such as drug use, people may not want to reveal the truth about their behavior due to fear of being judged. Thus, they may give a false response that aligns with social norms or what is perceived as desirable.

How does sponsorship affect response bias?

Sponsorship is also known to affect response bias. In surveys that are sponsored by a political party or a particular interest group, respondents may be influenced by the sponsor's reputation, agenda, or ideology. People may be more likely to answer questions in a way that is favorable to the sponsor or what is perceived as socially acceptable in the sponsor's context. Hence, the possibility of response bias is higher in sponsored surveys.

The possible reason why people give one answer to a survey question when they are told the survey was sponsored by the Republican Party and a different answer when they are told it was sponsored by the Democratic Party is the issue of response bias.

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strategies you can follow if you experience rejection while job hunting​

Answers

Answer:

Entrepreneurship

Patience

Explanation:

Entrepreneurship:develop and improve your skills, maintaining a unique set of skills allows you to grow your craft and establish long time employment.

Patience:learn not to rush the learning process, if you find yourself being discouraged and defeated, remember that not every open door is meant for you.

according to the textbook, sociologists should strive to interpret results of qualitative interviewing from the standpoint of: group of answer choices ethnocentrism cultural assimilation cultural relativism cultural dominance

Answers

Sociologists should strive to interpret results of qualitative interviewing from the standpoint of cultural relativism. Therefore, the correct option is option 3.

Cultural relativism is the notion that all cultures are unique and that each must be evaluated in its own cultural context. Sociologists, especially those involved in cultural studies, use this method of research to examine cultural practices and expressions from the point of view of the cultures in which they take place.

The students of sociology must be culturally sensitive, and cultural relativism is essential to their professional activities. Cultural relativism acknowledges that different societies have their own value systems and that what is right or wrong in one society may not be so in another.

It prevents researchers from making ethical judgments based on their own values, which may be inappropriate or even destructive in a cultural context where the values and beliefs of that culture are held. It is often used in anthropological and sociological studies, as it allows researchers to examine cultural practices and expressions from the perspective of the cultures in which they occur, rather than from an outsider's viewpoint.

A qualitative interview is a research method that employs open-ended questions to learn more about a person's experiences, opinions, and perspectives. Hence, when interpreting the results of qualitative interviewing, sociologists should employ cultural relativism so avoid biases and prejudice.

Hence, the correct option is the third option.

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Jan walked into her friend emily™s room for the very first time and immediately noticed that the print and color on the walls was similar to the style and color of clothing emily usually wore to school. which part of the social cognitive theory could address the reason emily™s style and room are similar? a. observational learning b. reciprocal determinism c. self-efficacy d. response tendency please select the best answer from the choices provided a b c d

Answers

Reciprocal determinism part of the social cognitive theory could address the reason Emily style and room are similar .

Option b is correct .

According to the social cognitive theory, which is applied to psychology, education, and communication, a person's knowledge acquisition can be in part directly related to how they observe other people.  The Social Cognitive Theory (SCT) explains how personal experiences, other people's behavior, and environmental variables affect a person's health behaviours.

Consider a moment when you picked up a skill or a behaviour by watching someone else. For instance, you might have picked up altruistic traits from witnessing your parents give food to a homeless person or picked up dog-training skills from watching The Dog Whisperer.

Hence , Option b is correct .

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what is the longest period of darkness in july​

Answers

Answer:

In the Northern Hemisphere, “peak” sunlight usually occurs on June 20, 21, or 22 of any given year.

Explanation:

you make a list of groceries you need to get but realize you have forgotten the list when you get to the store. these are the items on your list: sugar, salt, flour, vanilla, bread, silver balloons, and milk. according to the von restorff effect, if you are trying to remember this list of grocery items, what item are you most likely to remember?

Answers

Silver balloons. The von Restorff effect states that items that stand out from the rest of the list (due to their uniqueness or distinctiveness) are more likely to be remembered.

What is Silver balloon?

A silver balloon is a type of balloon that is typically made of a metallic material, primarily aluminum or Mylar, and is often used in decorations for parties and other special occasions. Silver balloons add a touch of elegance to any event, and are often used to create a stunning atmosphere. They can float in the air or be used as a centerpiece for a table. Silver balloons are also great for creating a unique and memorable look for birthday parties, graduations, anniversaries, and other special occasions. In addition to being beautiful, silver balloons are also very versatile and can be filled with helium or air, and can come in a variety of shapes and sizes.

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im litteraly in school help

im litteraly in school help

Answers

Answer:

A

Explanation:

Hope it helps

Governments sometimes retaliate against subsidies by imposing ________, tariffs on products imported into a country to offset subsidies given to producers or exporters in the exporting country.

Answers

Governments sometimes retaliate against subsidies by imposing countervailing duties, tariffs on products imported into a country to offset subsidies given to producers or exporters in the exporting country.

Countervailing duties are designed to level the playing field and prevent unfair competition caused by subsidies that distort trade. By imposing these duties, governments aim to protect domestic industries from the negative effects of subsidized imports and maintain fair trade practices.

Subsidies are financial or other types of support given by the government to individuals, businesses, or industries to encourage or assist in their activities. They are typically provided to promote economic growth, job creation, environmental sustainability, or to support specific sectors of the economy.

Subsidies can take various forms, such as direct cash payments, tax breaks, low-interest loans, grants, or price supports. They are intended to reduce the cost of production, increase competitiveness, stimulate investment, or provide assistance during challenging times.

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Explain any one theory of motivation. Give an example of any job
that would be associated with that specific theory.
Answer must be 150-200 words

Answers

One theory of motivation is the Expectancy Theory, which proposes that an individual's motivation to engage in a particular behavior is influenced by their expectation of achieving a desired outcome and the belief that their efforts will lead to that outcome.

According to Expectancy Theory, people are motivated when they believe that their efforts will result in good performance, which will be rewarded with desirable outcomes.

An example of a job that can be associated with the Expectancy Theory is a sales position with a commission-based compensation structure.

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What is a federal budget?

Answers

Answer: A federal budget is an estimate of how much money the government will spend and take in a year

what are the changes in land use that farmers must make to produce more of Borneo most important crop

Answers

Answer:

Farmers in Borneo must make changes in land use such as implementing sustainable farming practices, using appropriate irrigation techniques, and adopting modern technologies to increase the yield of their most important crop. Additionally, they can also explore crop diversification and intercropping to enhance soil fertility and reduce the risk of crop failure due to pests and diseases.

Explanation:

Citizens are chosen to serve on juries after receiving a(n)
.

summons
indictment
arraignment

Answers

Names are randomly selected from those on jury service to form a panel from which the trial jury will be selected. The judge excuses those on the panel whose knowledge of the people or circumstances would affect their impartiality.

Which area of Southern Africa has the highest population density?

Question 23 options:

Bie Plateau


Eastern coast


Western coast

Answers

Answer:

Gauteng

Explanation:

Gauteng is the highest while nother cape has the least dense population

The area of the Southern Africa with the highest population density is Gauteng.

What is the meaning of Population Density?

Population Density refers to the number of people over an area per square mile. It is the concentration of the people over an specific area.The data regarding the population density represents demographic information.

Gauteng has the highest population density in all of Southern Africa. Thus Gauteng is the right option.

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recommend two ways in which women and children can be protected from discrimination and violence ​

Answers

1. Always carry some sort of protection
2. Take self defense classes

Answer:hi pls check this out the answer is in the photo. Hope this helps. Can u pls give me brainliest.

Explanation:

recommend two ways in which women and children can be protected from discrimination and violence

How is citizenship in the United States similar to citizenship in ancient Athens?

Immigrants can become citizens.
Individuals become citizens at age 18.
Free men born in the nation are citizens.
A child is a citizen if his or her parents are citizens.
pls hurry on a timer

Answers

Answer:

They Had science and astronomy advances, allowed free speech, had a democracy and jury system, and math advances

Explanation:

Answer:

I think its D) A child is a citizen if his or her parents are citizens.

Explanation:

         

What is the key argument in Naomi Wolf’s Beauty Myth?

A.
The standards of beauty are becoming more attainable for most women.

B.
Men should be the only true judges of women’s physical attractiveness.

C.
Women should get plastic surgery is they want to be accepted in society.

D.
A woman’s worth is tied up with her physical attractiveness.

Answers

Answer:

Option D

Explanation:

As per the Author, A women's identity depends on her appearance. As per the society, appearance of a woman determines whether she is strong or weak irrespective of her strong social, political and economical status in the society. This is a prominent belief in the North America and Britain.

Hence, option D is correct

Define and explain how a first marriage could be an example of a normative age-graded event, a normative history-graded event, and a nonnormative event.

Answers

A first marriage can be an example of a normative age-graded event, a normative history-graded event, and a nonnormative event.

A normative age-graded event refers to a life event that is considered typical or expected at a certain age or stage of life. In many societies, getting married for the first time is often seen as a normative age-graded event, as it is commonly expected to occur during adulthood or a specific age range.

A normative history-graded event, on the other hand, refers to an event that is experienced by a particular generation or cohort due to shared historical circumstances. For example, if there is a significant social or cultural shift in marriage patterns or legal regulations surrounding marriage during a specific time period, such as the legalization of same-sex marriage, the first marriage for individuals within that cohort can be considered a normative history-graded event.

Lastly, a nonnormative event refers to an event or experience that is not expected or typical for most individuals. This could include factors such as early or late marriage, non-traditional marriage arrangements, or circumstances that deviate from societal norms or expectations.

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During early and middle childhood, parentsa. act as educators and gatekeepers.b. anticipate regression to earlier developmental stages.c. criticize work in order to manage the household.d. are not viewed as a resource to their children.

Answers

During ahead-of-schedule and center youth, guardians go about as instructors and watchmen. The correct answer is (A).

We are aware that a child's experiences in early childhood, which is typically defined as the years from birth to eight, and middle childhood, which is typically defined as the years from six to twelve, are very important for their healthy development as well as their health and well-being throughout their lives.

The brain undergoes rapid change during early childhood. Through synaptogenesis, pruning, and myelination, the brain creates and refines a complex network of connections during early and middle childhood.

It's more important than ever to be independent of the family right now. Children this age are regularly exposed to the wider world through events like starting school. Friendships are becoming increasingly significant. At this point, physical, social, and mental skills develop quickly.

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Q- During early and middle childhood, parents.

a. act as educators and gatekeepers.

b. anticipate regression to earlier developmental stages.

c. criticize work in order to manage the household.

d. are not viewed as a resource to their children.

Which of the following statements support the idea that free speech is essential for democracy? Select all that apply. A. Free speech can be limited in times of war. B. Free speech advances knowledge. C. Free speech encourages the expression of opinions. D. Free speech is an absolute right.

Answers

The right to free speech promotes the expression of ideas. (Choice c)

Does a democracy need to allow for free speech?

One of the fundamental tenets of a free democracy is freedom of expression. Due to their crucial role in upholding the right to free speech, the media need special protection. The rights to criticise, to assume, to assign values, and to express ideas are all protected by Article 10. The freedom to speak without limitations is crucial to democratic democracy because it enables us to dispute, refute, and debate better laws and policies. It promotes an individual's self-actualization and safeguards his uniqueness in a republic. It makes the group stronger and enables the open exchange of ideas, convictions, and opinions.

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a taxi drivers cab is not a capital hood because it is used to produce a service
true or false

Answers

The answer is true.
The answer is : true

In a process called plucking, the rocks dragged by glaciers produce grooves and scratches in bedrock. Please select the best answer from the choices provided T F

Answers

Answer: False

Explanation:

Plucking is the process of erosion which happens when there's glaciation.

During the movement of ice and glaciers, the surrounding rock is scraped which brings about erosion.

Plucking occurs due to the fact that the stones and rocks are frozen which results in a jagged landscape which brings about erosion.

It should be noted that the rocks dragged by glaciers fo not produce grooves and scratches in bedrock as stated in the question. Therefore the correct option is False.

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Quadrilateral MNOP was dilated with the origin as the center of dilation to create quadrilateral M'N'O'P'. The quadrilateral was dilated using a scale factor of 1.5. The coordinates of the vertices of quadrilateral MNOP are given. What are the coordinates of N'?A) (4,5) B) (1.5, 2)C) (4.5, 5.25)D) (2, 2.3) What is the keyword to list all the SAS files in the library as well as the descriptor portion of every data set in the library?A. _ALL_B. DESCC. LIBNAMED. NODS Energy problem formulasPotential Energy = mghv = velocity or speedKinetic energy = mv9 = 9.8 m/sm = mass in kg(Precision of 1)h = height in metersYou serve a volleyball with a mass of 3.1 kg. The ball leaves your handwith a speed of 20 m/s.a) Calculate Kinetic Energy(Precision of 1)b) How much work is being done to the system to create this kineticenergy?I need this asap "sometimes conflict can be healthy" critically discuss this statement the home health nurse is educating a client with adrenal insuffciency regarding the disease process and medication safety. which statement made by the client indicates a need for further education? the leadership philosophy developed by general stanley a. mcchrystal includes speaking the truth. what does general mcchrystal mean by this? check all that apply. exploit the truth whenever possible truth is necessary, but always put a positive spin on it always speak with candor keep people updated on day-to-day changes Which function is best represented by this graph eory.According to cell theory, which of the following aremade of cells? Check all that apply.O flowersrocksbloodwaterbacteriasugarskinRETRY what was an historical difference between the Spanish Colonies and the New England colonies? at one point in the evolution of marketing, the united states entered a buyer's market and the customer became king. which era is being described? Who is better Eddie Vr or Josh Dub The Ethical Trading Initiative (ETI) does NOT include which of the following: Group of answer choices Workers must receive a 30 minute break for an 8 hour shift. Working hours are not excessive. Regular employment is provided but not forced.. Freedom of association and collective bargaining are respected. A fine fabric was selling for $ 10.50 a yard. Joni bought 2 1/3 yards. How much did she spend? which word best completes this analogy A researcher conducts a test of the null hypothesis that the population R-square is equal to zero. The p-value of the test statistic is equal to 0.0003. The researcher should: a) reject the null hypothesis. b) fail to reject the null hypothesis; Latrell and his cousin, Tisha, met at a state park to go for an all-day hike. Latrell drove 122 miles to get to the park, and it took him 2 hours. Tisha drove 96 miles to get to the park, and it took her 1.5 hours. On average, how much faster did Tisha drive than Latrell? could someone help me plz.x/7=(-19)b/7=5a/10=(-9/10) After the USA introduces a tariff in the market for gigastraps, the price of gigastraps in the USA will: A charge +q and a charge +q are placed at opposite corners of a square. Will a third point charge experience a greater force if it is placed at one of the empty corners of the square, or at the centre of the square? Explain. What would this be?:)