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INTRODUCTION/ CULTURAL DRIVERS Throughout history, communication has played a significant role in the development of cultures and more specifically effective communication. Effective communication facilitates people to understand each other, breaks down language and cultural barriers, and builds trust and respect for one another. Today people have evolved, so as the way they communicate. We can trace the first form of communication to cave paintings around 130,000 B.C.E. The theory is that the…

In general, viatical settlements are ethical. In the case of a viatical settlement, it is simply an exchange of cash today for payment in the future, although the payment depends on the death of the seller. The purchaser of the life insurance policy is bearing the risk that the insured individual will live longer than expected. Although viatical settlements are ethical, they may not be the best choice for an individual. In a Business Week article (October 31, 2005), options were examined for a…