The statement which describes a modified endowment contract is this: 'Exceed the maximum amount of premium that can be paid into a policy and still have it recognized as a life insurance contract.
A modified endowment contract is a type of life insurance contract which has been funded with more money than allowed. Such a life insurance will no longer be regarded as life insurance by IRS, it will be considered as a modified endowment contract.
They are all final consumers
Data have shown significant differences in nitrogen retention, blood cortisol concentrations, vital signs, water con- sumption, and urine production. Implications are that total energy balance is altered when an animal is exposed to ectoparasite infestations, thereby resulting in decreased productivity.
The answer is (b). I think