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1 Fundamentals A Certain basic characteristics are common among all life insurance policies (1) It is not the possibility of death that is insured, but rather an untimely death (2) Life insurance is not a contract of indemnity It does not attempt to put the individual in the same nancial position as before the loss (3) An insurable interest must exist at the onset of the contract B Life insurance is divided into two types: (1) Term insurance (a) Term insurance is sometimes called pure insurance It pays a death bene t if a person dies during a speci ed time period (b) There is no cash value or loan element (c) There are increasing premiums in later years when the policy is renewed (d) Key points common with term policies are renewability and convertibility i Renewability The right to renew the contract without a medical examination or other evidence of insurability ii Convertibility Allows the policyholder to exchange the term policy for a permanent policy without evidence of insurability (2) Permanent insurance (a) The protection afforded by permanent insurance never expires, and the policy never has to be renewed or converted (b) The protection is guaranteed as long as policyholders continue to pay premiums or pay up their policies, regardless of health (c) Permanent policies have a cash value and a loan element (d) There is an advantage of tax-deferred investment income with the cash value (e) Permanent insurance includes whole life insurance, endowment insurance, universal life insurance, adjustable life insurance, and variable life insurance C The cash value of a permanent insurance policy acts as a savings fund for the policyholder (1) The level premium concept helps explain how a cash value reserve accumulates over time for the insured This means that the insurance company will receive the same premium amount regardless of the age of the insured In the early years of the policy,.

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/** * Psuedo-code for AccountProcessing object */ public class AccountProcessing { /** * Logs message to some well-known file */ public static void log(String a_mesg){ appendFile("logfile", a_mesg); } /** * Withdraws money from one account and deposits * it into destination account */ public static void transferFunds(int a_fromAcctNum, int a_toAccountNum, double a_amt) { /* Log attempted action */ log("Transferring <"+a_amt+"> from <"+a_fromAcctNum+ "> to <"+a_toAcctNum+">"); /* Withdraw funds from source */ double newBalance = withdrawFunds(a_fromAcctNum, a_amt); log("New balance in <"+a_fromAcctNum+"> is <"+newBalance+">"); /* Deposit funds into destination */ newBalance = depositFunds(a_toAcctNum, a_amt); log("New balance in <"+a_toAcctNum+'> is <"+newBalance+">"); } }

IsClass IsInstance IsSingleton > $cdrive.get > $cdrive DeviceID DriveType ProviderName FreeSpace Size VolumeName : : : : : :

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Figures 9-6 and 9-7 show the benefit of decoupling the logging process from such an application system Figure 9-6 shows the initial execution flow: As the server-side transferFunds() method executes, several logging statements that involve writing messages to the filesystem are executed However, they don't return any immediately useful information and the application is unfairly bogged down waiting on I/O latencies Figure 9-6 Synchronous I/O-bound execution that results in poor performence

So far, all of the examples have assumed that you want to schedule tasks to run on the local system. The local system is the default for the AT Scheduler. If you want to schedule tasks on a remote system, type the UNC name or IP address of the remote system before you specify other parameters, like this:

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In Figure 9-7, the logger has been decoupled from the AccountProcessing object and the two communicate via JMS In this case, the same logging calls exist; however, they're now executed asynchronously The result is faster execution of the transferFunds() method call Granularity is important here As you make choices about how to modularize and distribute parts of your application, give careful consideration to the data dependencies that exist within Lack of a dependency, as is the case in this logging example, may indicate an opportunity to decouple and parallelize execution

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