VUL Simulated Exam 1

 

V^B Sgkubmtnl Nxmk   _egce df ten fdbbdwgho ghfdrkmtgdh gs hdt cdhvnynl td ten V^B prdspncts4 

 

Egstdrgcmb Ymtn df Ynturh

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df ten V^B prdluct

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Oumrmhtnnl Ghtnrnst Ymtn

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Ygs` ghvdbvnl

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\egs mon irmc`nt ems ten fdbbdwgho fdbbdwgho hnnls: Kmxgkuk Qrdtnctgdh, Kmxgkuk Ghvnstknht Ghvnstknht fdr Nlucmtgdh mhl Kmxgkuk Smvghos * 

 

Cdupbn prnpmrgho fdr Yntgrnknht

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Wduho Qrdfnssgdhmb

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Wduho Cdupbn wgte Cegblrnh

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Yntgrnns

_egce dhn df ten fdbbdwgho stmtnknhts midut ghvnstknht-bgh`nl pdbgcgns mrn \Y^N4 G. ten cmse vmbun gs hdt oumrmhtnnl GG. ten vdbmtgbgty df ten rnturhs lnpnhls dh ten ghvnstknht strmtnoy df ten fuhl GGG. ten vmrgmibn bgfn ghsurmhcn pdbgcydwhnrs emvn lgrnct cdhtrdb dvnr ten ghvnstknht lncgsgdhs df ten fuhl. * 

 

G, GG, & GGG

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G & GG

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G & GGG

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GG & GGG

 

_egce df ten fdbbdwgho ghfdrkmtgdh kust hdt in cdhvnynl td cbgnht gh smbns df Vmrgmibn ^hgvnrsmb Bgfn ghsurmhcn pdbgcgns4 * 

 

Ymtn df rnturh

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Inhnfgts gbbustrmtgdhs usgho =1% ms ten ordss

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Oumrmhtnnl ghtnrnst rmtn

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\gkn edrgzdh df ten prdluct

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\en rgs` ghvdbvnl

\ensn mrn lnit bdmhs temt pmy m spncgfgc ghtnrnst dvnr m fgxnl pnrgdl df tgkn: 

 

Kdhny Kmr`nt Nqugtgns

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Idhls

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Kutumb Fuhls

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Bdmh Stdc`s

_emt gs/mrn ten lgsmlvmhtmon(s) df ghvnstgho gh cmse mhl lnpdsgts4 G. \en smfnst typn df ghvnstknht GG. \eny prdvgln ten bdwnst rnturh GGG. \enrn gs rnghvnstknht rgs` * 

 

GG & GGG dhby

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G dhby

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GG dhby

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G, GG & GGG

_egce df ten fdbbdwgho gs HD\ dhn df ten fdur cdkkdh dijnctgdhs4

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Hd Cdhfglnhcn

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Hd Kdhny

 

Hd Eurry

 

Hd Ghtnrnst

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_egce df ten fdbbdwgho cemrmctnrgstgcs pnrtmghgho td cdkkdh semrns gs/mrn \Y^N4 G. Oumrmhtnnl skmbb rnturhs GG. \en edblnr df mh drlghmry semrn gs m pmrt dwhnr df ten cdkpmhy GGG. \enrn gs hd cnrtmghty temt ten cdkpmhy wgbb km`n prdfgts mhl teus hd cnrtmghty temt tenrn wgbb  in lgvglnhls GV. \enrn gs hd rgs` ghvdbvnl gh ten ghvnstknht df drlghmry semrns * 

 

GG,GGG mhl GV dhby

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GG mhl GGG dhby

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G mhl GV dhby

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GG dhby

_egce df ten fdbbdwgho gs HD\ m cemrmctnrgstgc df m Vmrgmibn ^hgvnrsmb Bgfn pdbgcy4

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Gt gs usnl sdbnby fdr ghvnstknht purpdsns

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Gt‗s onhnrmbby, teduoe hdt hncnssmrgby, kdrn nxpdsurn td nqugty ghvnstknhts.

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\en cdkkgssgdhs mhl dffgcn nxpnhsns mrn knt iy nxpbgcgt cemrons.

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  "Gts cmse vmbun gs usumbby ten vmbun df uhgts mbbdcmtnl td ten pdbgcy cmbcubmtnl mt ten  prnvmgbgho igl prgcn" _egce df ten fdbbdwgho stmtnknhts gs \Y^N4 *

 

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    fuhls.

Wduhonr cbgnhts mrn kdrn rgs`-mvnrsn temh dblnr cbgnhts. Qdbgcy dwhnrs wedsn odmb gs cmpgtmb prnsnrvmtgdh sedubl ghvnst tengr kdhny dh nqugty

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Egoe rgs` mhl egoe ygnbl ghvnstknhts Ghvnstdrs mrn usnl td knnt sedrt tnrk odmbs

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Cdhsnrvmtgvn ghvnstdrs mrn usumbby tedsn wgte bnss fghmhcgmb rnsdurcns.

_egce df ten fdbbdwgho gs HD\ m typn df fgxnl ghcdkn sncurgtgns4 

 

kdhny kmr`nt ghstruknhts

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odvnrhknht idhls

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cdrpdrmtn idhls

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hdhn df ten midvn

Fmctdrs td cdhsglnr gh iuygho Qrdpnrtgns: G. ]umbgty df bmhl GG. \en bdcmtgdh df Bmhl GGG. \en vmbun df ten iugblghos dh bmhl GV. \en Ghvnstknht Dijnctgvn V. Qbmcn df wdr` * 

 

G, GG & GGG dhby

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GG, GGG & GV dhby

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G, GGG & V dhby

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Mbb df ten midvn

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\egs gs cmbbnl ms ten lgffnrnhcn intwnnh ten dffnr prgcn mhl igl prgcn: 

 

Igl prgcn sprnml

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Dffnr prgcn sprnml

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Igl dffnr sprnml

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Hdhn df ten midvn

_emt gs ten rgoet snqunhcn df ten stnps gh Fghmhcgmb Qbmhhgho4

G. Mhmbyzn Ynsdurcns GG. Nvmbumtn Ghvnstknht Dptgdhs GGG. Snt Odmbs GV. Nvmbumtn ten Qbmh V. Gkpbnknht ten Qbmh * 

 

G, GG, GGG, GV, V

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GG, V, GV, GGG, G

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V, GV, GGG, GG, G

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GGG, G, GG, V, GV

_egce pmrt df ten smbns prdcnss cmh in ldhn terduoe ten tnbnpedhn4 * 

 

Qrnsnhtgho ten Sdbutgdh

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Mpprdmce

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Cbdsgho

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Hnnls Mhmbysgs

Gf ten currnht dffnr prgcn ; Q=.>1 Mhl ten Igl-dffnr Sprnml ; >% Cmbcubmtn fdr ten Igl Qrgcn: * 

 

Q=.% Qdbgcy Fnn ; Q=91.11 Mlkghgstrmtgvn mhl Kdrtmbgty Cemron ; 9.>% df sghobn prnkguk Mssukptgdhs: \en cemrons mhl fnns mrn lnluctnl iy cmhcnbgho uhgts frdk ten pdbgcy mt ghcnptgdh. Edw kmhy uhgts cmh Kr. Custdlgm purcemsn4 * 

 

=6=>1.?6

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=6666.6?

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=6=99.5=

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hdhn df ten midvn

_egce dhn df ten fdbbdwgho ghfdrkmtgdh gs HD\ rnqugrnl td in lgscbdsnl td ten pdbgcy dwhnr gh ten smbns prdcnss4 * 

 

Monht‗s cdkkgssgdh

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Ygs` mhl prdlucts

 

Lgscbdsurn ouglnbghns

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Fbnxgigbgty dptgdhs

_egce df ten fdbbdwgho stmtnknhts midut sghobn prnkguk Vmrgmibn ^hgvnrsmb Bgfn pdbgcgns mrn \Y^N4 G. tenrn gs hd fgxnl tnrk gh m sghobn prnkguk Vmrgmibn ^hgvnrsmb Bgfn pdbgcy mhl tenrnfdrn, gt gs tncehgcmbby wedbn bgfn ghsurmhcn GG. tdp-ups dr sghobn prnkguk ghjnctgdhs mrn mbbdwnl gh ten pbmhs GGG. pdbgcyedblnrs emvn ten fbnxgigbgty df vmrygho ten bgfn cdvnrmon * 

 

G & GGG

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GG & GGG

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G & GG

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G, GG & GGG

\en rgs` prdfgbn df m pnrsdh lnpnhls dh: G. mon GG. ghvnstknht dijnctgvns GGG. fghmhcgmb cdhlgtgdhs GV. Qnrsdhmbgty * 

 

G & GG dhby

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GG, GGG & GV dhby

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G, GG & GGG dhby

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Mbb df ten midvn

_egce df ten fdbbdwgho stmtnknht(s) gs/mrn FMBSN4 G. \en igl-dffnr sprnml gs usnl td prdvgln lnmte inhnfgt fdr ten Vmrgmibn ^hgvnrsmb Bgfn ghsurmhcn

 

 pdbgcy. GG. \en igl-prgcn gs mbwmys egoenr temh dffnr prgcn. GGG. \en igl-dffnr sprnml gs usumbby midut >%. GV. \enrn mrn twd typns df lnmte inhnfgt uhlnr ten vmrgmibn bgfn ghsurmhcn prdluct. \eny kmy dffnr ngtenr dr idte typns lnpnhlgho dh gts prdluct lnsgoh mhl lgscrntgdh df ten pdbgcyedblnr. * 

 

G & GG dhby

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GG & GGG dhby

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GG & GV dhby

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Hdhn df ten midvn

_emt gs ten kdst sugtmibn ghvnstknht vnegcbn fdr mh ghvnstdr wed gs ghtnrnstnl gh prdtnctgho egs *

 prghcgpmb mhl rncngvgho m stnmly strnmk df ghcdkn4 

 

Nqugtgns

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Fgxnl ghcdkn sncurgtgns

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Cmse mhl lnpdsgts

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Vmrgmibn bgfn ghsurmhcn pdbgcgns

Mh ghsurnr kust prdvgln nmce Vmrgmibn ^hgvnrsmb Bgfn ghsurmhcn pdbgcy dwhnr wgte 

 

\en cdkpmhy‗s mhhumb fghmhcgmb rnpdrts

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M pdbgcy stmtnknht mhl ten fuhl pnrfdrkmhcn rnpdrt

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Mh mlvgcn df lmgby ghvnstknht fuhls

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\en fuhl kmhmonr‗s nhtnrtmghknht nxpnhsns

_egce dhn df ten fdbbdwgho stmtnknhts midut lgvnrsgfgcmtgdh gh pdrtfdbgd kmhmonknht gs FMBSN4 * 

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lgvnrsgfgcmtgdh cmh cdkpbntnby nbgkghmtn ten rgs` df ghvnstgho gh stdc`s gh m pdrtfdbgd

  lgvnrsgfgcmtgdh enbps td sprnml ten pdrtfdbgd rgs` iy ghvnstgho gh lgffnrnht cmtnodrgns df  ghvnstknht gh m pdrtfdbgd   lgvnrsgfgcmtgdh cmh ghvdbvn purcemsgho lgffnrnht typns df stdc`s mhl ghvnstgho gh stdc`s df lgffnrnht cduhtrgns  

m lgvnrsgfgnl pdrtfdbgd prdvglns ornmtnr sncurgty td mh ghvnstdr 

_emt mrn ten lgsmlvmhtmons gh ghvnstgho gh cdkkdh semrns4 G. lgvglnhls mrn pmgl hdt kdrn temh ten fgxnl rmtn GG. ghvnstdrs mrn nxpdsnl td kmr`nt mhl spncgfgc rgs`s GGG. semrns cmh incdkn wdrtebnss gf cdkpmhy incdkns ghsdbvnht 

 

G, GGG

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G, GG & GGG

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G, GG

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GG, GGG

_egce df ten fdbbdwgho stmtnknhts gs FMBSN4 

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  Cdkpmhy wgbb cmrry dut m vmbumtgdh df gts fuhls ynmrby mhl mhy surpbus kmy in mbbdcmtnl td trmlgtgdhmb pmrtgcgpmtgho bgfn pdbgcyedblnr ms lgvglnhls   Vmrgmibn bgfn ghsurmhcn pdbgcgns dffnr ghvnstdrs pdbgcgns wgte vmbuns ghlgrnctby bgh`nl td ten ghvnstknht pnrfdrkmhcn df ten cdkpmhy

 

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  \en ghvnstknht nbnknht df vmrgmibn bgfn pdbgcgns vmrgns mccdrlgho td uhlnrbygho mssnts df ten pdrtfdbgd   Idte wedbn bgfn mhl nhldwknht pdbgcgns cmh in usnl ms mh ghvnstknht knlgm wgte  inhnfgts temt incdkn pmymibn mt m futurn lmtn _egce df ten fdbbdwgho stmtnknhts gs \Y^N4  *

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_enh ten pdbgcy gs pmrtgmbby surrnhlnrnl ten ghvnstdr gs tmxnl mt egs currnht tmx rmtn.

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\en lnmte inhnfgt gs tmxnl mt ten currnht tmx rmtn.

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  \en prdcnnls frdk m Vmrgmibn ^hgvnrsmb Bgfn ghsurmhcn pdbgcy gs tmx frnn gh ten emhls df ten pdbgcy dwhnr  _egce gs/mrn ten inhnfgts df Vmrgmibn ^hgvnrsmb Bgfn fuhls4

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Qddbgho dr lgvnrsgfgcmtgdh

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Fbnxgigbgty

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Nxpnrtgsn df fuhl kmhmonrs

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Mbb df ten midvn

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Glnhtgfy cemrons temt mrn mppbgcmibn td m sghobn prnkguk pdbgcy: 

 

Qdbgcy fnn

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Mlkghgstrmtgvn mhl Kdrtmbgty Cemron

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Ghvnstknht Kmhmonknht Fnn

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Mbb df ten midvn

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_egce dhn df ten fdbbdwgho stmtnknhts midut lgvnrsgfgcmtgdh gh pdrtfdbgd kmhmonknht gs FMBSN4 * 

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  Lgvnrsgfgcmtgdh enbps td sprnml ten pdrtfdbgd rgs` iy ghvnstgho gh ten lgffnrnht cmtnodrgns df ghvnstknht gh m pdrtfdbgd.   M lgvnrsgfgnl pdrtfdbgd prdvglns ornmtnr sncurgty td mh ghvnstdr wgtedut emvgho td smcrgfgcn ten rnturh fdr ten pdrtfdbgd.  

Lgvnrsgfgcmtgdh cmh cdkpbntnby nbgkghmtn ten rgs` df ghvnstgho gh stdc` pdrtfdbgd.

  Lgvnrsgfgcmtgdh ghvdbvns purcemsgho lgffnrnht typns df stdc`s mhl ghvnstgho gh stdc`s df lgffnrnht cduhtrgns.

_egce df ten fdbbdwgho stmtnknhts gs FMBSN4 

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Qrdspnctgho crnmtns m euon gkpmct dh ten smbns rnvnhun.

  Mh mlvgsdr sedubl nhuknrmtn ten inhnfgts df ten prdluct td ten prdspnct mhl edw gt wgbb in df enbp td egk/enr gh mhswnrgho egs/enr hnnls.    prdcnss.  

Mh mlvgsdr kmy ceddsn wemt typn df mpprdmce inst wdr`s fdr egk/enr gh ten smbns

Dijnctgdhs mbwmys knmh temt ten cbgnht gs hdt ghtnrnstnl gh ten prdluct.

\egs gs m cdbbnctgdh df pddbnl ghvnstknht kmghtmghnl iy m imh` mhl cbdsnby kdhgtdrnl iy ten Imho`d Snhtrmb ho Qgbgpghms: * 

 

Sncurgty Idhls

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Kutumb Fuhls

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\rnmsury Igbbs

 

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Cdkkdh \rust Fuhl

Mh ghsurnr kust prdvgln nmce ghvnstknht-bgh`nl pdbgcy edblnr wgte 

 

mh mlvgcn df lmgby ghvnstknht df fuhls

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m pdbgcy stmtnknht mhl ten fuhl pnrfdrkmhcn rnpdrt

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ten cdkpmhy mhhumb fghmhcgmb rnpdrts

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ten fuhl kmhmonr nhtnrtmghknht nxpnhsns

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_egce dhn df ten fdbbdwgho stmtnknhts midut ghvnstknht dijnctgvns gs FMBSN4

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Qndpbn ghvnst kdhny td prdvgln fuhls fdr egoenr nlucmtgdh fdr tengr cegblrnh

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Qndpbn ghvnst kdhny gh nqugtgns td prdlucn egoe mhl oumrmhtnnl ghcdkn

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Qndpbn ghvnst kdhny td nhemhcn m cdkfdrtmibn stmhlmrl df bgvgho

Gh snbbgho V^B, wn cmh usn tegs pegbdsdpey 

 

Nghstngh's \endry df Ynbmtgvgty

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Lmrwgh's \endry df Nvdbutgdh

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Hnwtdh's Bmw df Kdtgdh

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Kmsbdw's Egnrmrcey df Hnnls

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Hnxt

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  Imc`

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