Roxanne is a human resources director for Tech Touch, a global tech company that employs over 5,000 employees across Canada. Roxanne meets with Jeannie, a group insurance agent because she wants to revamp the company's group insurance coverage. Roxanne says that the company is very profitable, and it has enough money to assume the risk of paying claims of its staff. Which funding formula would BEST suit Tech Touch's needs? Select one correct answer from the list 1. Administrative Services Only (ASO) 2. Non-refund accounting 3. Refund accounting 4. Non-contributory Eugene, a dental hygienist, meets with his insurance agent, Ava, to apply for a disability insurance policy. Eugene tells Ava that he is in good health, earns $60,000 annually, and if he were to become disabled, he would like to receive as much money as possible for as long as possible. He mentions that he has $15,000 in his savings account. Finally, Eugene explains that he cannot spend more than $200 a month for this policy. What can Ava do to keep Eugene's monthly premium payments down? Select one correct answer from the list 1. Extend the waiting period. 2. Reduce the benefit period. 3. Reduce the benefit amount. 4. Impose a deductible.