1. All of the following are common dividend options found in life insurance policies EXCEPT
the purchase of the insurance company’s common stock
the accumulation of the dividends at interest
the reduction of future premiums
the purchase of paid-up insurance
2. ROE has fallen proportionally more than ROA since the Financial Crisis because
A NIM has fallen
B Non-interest expense has risen
C Capital requirements have increased
D All of the above
Please explain.