insurance and income protection program

nstructions: This week you are required to conduct research into the various types of insurance and income protection programs that might be available in an organizations compensation and benefits package.  Please define and discuss the advantages and disadvantages of the following:

Term life insurance, universal whole life insurance, and accidental death & dismemberment
Long and short term disability insurance.

Submission Instructions:

IMPORTANT!!  Submit your work as an MS WORD ATTACHMENT in either a .doc, .docx, or .rtf format.

Please support your ideas, arguments, and opinions with independent research, include at least three (3) supporting references or sources (NOT Wikipedia, unknown, or anonymous sources), format your work in proper APA format, include a cover page, an abstract, a reference section, and in addition a minimum of 5 FULL pages of written content. Double space all work, and cite all listed references properly in text in accordance with the 6th edition of the APA manual, chapters 6 & 7.

Reminder:
Late submissions will be reduced by one full letter grade for each day the assignment is submitted late. Assignments submitted after the 3rd day late without an approved extension before the assignment due date will receive a zero

LATE POLICY: Students are expected to submit classroom assignments by the posted due date and to complete the course according to the published class schedule.  The due date for each assignment is listed under each Assignment. As adults, students, and working professionals, I understand you must manage competing demands on your time. We all know that life happens but it is important to adhere as closely to the deadlines in the class as possible.

Should you need additional time to complete an assignment, please contact me before the due date so we can discuss the situation and determine an acceptable resolution. If arrangements are not made in advance, a late penalty of 10% will be assessed for any assignment submitted 1-7 days past the due date.  Assignments will not be accepted after the 7th day.  No work will be accepted past the final day of class.