An insured has contributed $12,000 in premiums toward a universal life policy. she decides to cancel the policy and take the cash value of $15,000. what are the tax consequences of this distribution?

When diving into water, it is important to look before diving to avoid that could damage your nervous system deep water underwater hazards living creatures water toys

If you feel pain while stretching, you should do any of the following except: a. stretch farther. b. back off the stretch. c. find an alternative. d. stop stretching.

In one paragraph, explain how technology has influenced the perception of body image and weight management in both negative and positive ways. use supporting details in the form of facts, statistics, and examples. in another paragraph, describe an individual healthy weight-management plan. the plan should include specific details about goals, diet, exercise, and evaluative monitoring.