ANSWER 1 Adverse selection is unfavorable selection of the life insurance applicant. The measure that the life insurance company can take to safe guard against adverse selection which is limits on age in sum insured‚ a medical examination may be required‚ MAR maybe obtain if it appears that the proposer is trying to conceal and adverse feature or if there is some feature which requires classification. Insurance markets are imperfect and are often characterized by information problems that pose
Premium Risk Insurance Economics
Racial Profiling Racial profiling has been a very heated issue from past few years. Race and location are the dominant characteristics authorities look at when engaging in this type of profiling. The undeniable pattern of race-based stops by police is a dilemma that millions of African-American and Latino-American motorists regularly encounter on this country ’s highways. This phenomenon has been sardonically dubbed as "being pulled over for "DWB" (Driving While Black or Brown). This play on words
Premium Race Racial profiling Police
Deafness has consistently been perceived and represented incorrectly in American media. It is important to note that deaf individuals have created their own culture based on their set of social beliefs‚ behaviors‚ art‚ literary traditions‚ history‚ and values. Deaf Culture focuses on deaf individuals who use American Sign Language (ASL) and consider being Deaf a cultural lifestyle choice. However‚ not all individuals who have experienced hearing loss are emerged in Deaf culture and that distinction
Premium Hearing impairment Deaf culture Models of deafness
is person centered Fletcher love people but use things. Situationists believe that persons need to be flexible sensitive and sympathetic when dealing with others. Action are good if they help people but are bad if they hurt people. This approach freedom in a changing society however we must remember there are laws we break at our own
Premium Egoism Ethical egoism Individualism
26 November 2013 Legalization of Marijuana The argument of legalizing marijuana in the United States has been an ongoing situation for many years. Since the use of marijuana is becoming legal in certain states‚ the argument has continued to rise. The debate is both for medicinal and recreational use. Medicinal use is supported much more then recreational use. Like any other argument‚ there are many pros and cons. A total of five uses of marijuana have been discovered. These uses include‚ hempen
Premium Recreational drug use Law United States
Criticism and speculation concerning police brutality are popular topics that can inevitably be seen in news articles‚ social media‚ or news broadcast throughout the nation. Being one of America’s most current controversial and important issues‚ the negative perception of police brutality in the 21st century needs to be resolved. Localized policing is commonly used to put emphasis on the prevention of crime rather than enforcing the zero tolerance policy and following the traditional policing
Premium Police Police brutality Police officer
Running head: JUVENILE OFFENDERS: RACE AND ETHNICITY Juvenile Offenders: Race and Ethnicity University of Phoenix Juvenile Offenders: Race and Ethnicity "Researchers have long observed differences in rates of serious juvenile and adult offending among ethnic and racial groups in the United States. These differences have prompted competing theoretical interpretations and public policy debates. However‚ conclusions about the racial differences in serious and violent juvenile offending
Premium Crime Sociology Race
using animals for their research and testings‚ and I disagree with the use of animals. It is unfair to animals because in the end it kills them‚ it may not actually work on humans‚ and the cost of it. I am against the use of animals for product testing for a lot of reasons. I am against using animals because I think it is cruel to animals because if it a test went wrong then then it could cause a harmless animal to die or seriously disable them. Also in animal testing‚ countless animals are
Premium Science The Animals Animal
The Homestead Act was signed on May 20‚ 1862 by Abraham Lincoln. The Homestead Act was proposed by northern republicans. Southern representatives in congress kept voting against the Homestead Act because they saw it as an opportunity for the development of Free states that would tip the scale in the free vs. slave states. It was originally passed by congress in 1860 but then vetoed by President James Buchanan. After southern representatives left congress was when the act was then passed. The act
Premium Georgia Andrew Jackson United States
marriage works if two people love each other no matter what gender‚ but many people argue against this. They argue that it’s wrong and God created a woman and man (Adam and Eve) to love each other‚ not two people of the same sex. They argue that we shouldn’t bother changing laws for a small amount of gay couples. Some even argue that gay marriage is ’just wrong’ and it’s offends God. There are so many reasons against gay marriage but why should sexuality or gender affect a couples legal rights? It’s
Premium Homosexuality Same-sex marriage Sexual orientation