The Features of Various Types of Personal and Business Insurance Products - Finance Assignment Help

Assignment Task :

Question 1 
LO1: Identify, analyse and evaluate personal and small business tasks.
Explain each of the four (4) risk categories listed below and contrast each with its ‘paired risk’, including the provision of an example. 
(a) pure vs speculative risks 
(b) diversifiable vs non-diversifiable risks.  
(c) examples of each risk 

Question 2     
LO4: Undertake financial planning duties while giving consideration to ethics and the legal and regulatory responsibilities owed by the planner and the planner’s organisation to your clients and other stakeholders.
Briefly explain the consumer protection laws as they apply in the context of providing financial advice about insurance in Australia. Use examples of situations in which Consumer Laws may be called upon by clients to illustrate your answer.

Question 3 
LO1: Describe and differentiate the features of various types of personal and business insurance products, including related policy documentation and taxation issues. 
LO5: Evaluate contemporary issues in insurance advice. 
(a) Roberto is a professional, white-collar client and comes to you looking for advice on life, TPD and trauma insurance. Roberto has no significant medical history, no hazardous activities and a perfect family history; however, he has had an issue with recreational drug use in the past. What is the relevance of family health history, personal health history, occupation and a history of drug use to the underwriter when assessing an application for life insurance?  
(b) If an underwriter is experiencing underwriting losses, what will the effect of continuously increasing premiums be on policy retention and risk concentration? 

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