1. Explain the reasons for social insurance programs in the United States. (The response to this question should be 200 - 300 words.) 2. Describe the following distribution systems in the marketing of life insurance. Provide an example of each. (The response to this question should be 150 - 200 words.) 1. Personal Selling Systems 2. Financial institution distribution systems 3. Direct response system 4. Other distribution systems Scenario Question: Property and Casualty insurance can be marketed under different marketing systems. Compare the independent agency system with the exclusive agency system with respect to each of the following: (The response to this question should be 200 - 300 words.) 1. Number of insurers represented by the agent A. Independent Agency System B. Exclusive Agency System 2. Ownership of policy expirations A. Independent Agency System B. Exclusive Agency System 
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