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đ§ Game Objective: Agents analyze partial client profiles, then choose the best discovery questions to uncover the hidden insurance need. Youâll present: A brief, vague client case A list of potential fact-finding questions (mix of good/bad) The agent selects up to 5 questions Points are based on: How many âhigh-valueâ questions they choose Whether their questions align to the true need Bonus: If they uncover the hidden clue or issue (revealed after) đŻ Quiz Format for Quizalize: Question Type: Multiple Select (choose up to 5) Scoring: 1 point per strong question, 0 or -1 for irrelevant/weak questions Bonus Reveal Slide: Show the full case need after each question đ Sample Quizalize Scenario Set đš Client Case #1: "James & April" James (38) is a freelance graphic designer. He and April (36) have one 3-year-old child. They just moved into their first home with a $400k mortgage. James doesnât currently have employer benefits. April works part-time and doesnât have group coverage. Question Prompt: Choose up to 5 questions to uncover James and Aprilâs real protection need. Answer Options: â
What income would April need if you werenât here to support your family? â
Do you have any existing life insurance or savings to cover the mortgage? â
How long would you want your family financially protected if something happened to you? â
Do either of you have any disability coverage? â
Would you want your childâs future education covered if something happened? â How much do you currently pay for car insurance? â Do you see yourself buying another house soon? â Whatâs your favorite thing about your neighborhood? â
Hidden Need: Income replacement + mortgage protection for a non-benefits freelancer. đš Client Case #2: "Rosa" Rosa is 29 and single. She recently got a promotion, moved into a new apartment, and is paying off $45k in student loans. She loves to travel and has no dependents. Answer Options: â
If something happened to you, who would take care of your student loans or final expenses? â
Do you have any emergency savings or a safety net? â
Would you be interested in locking in permanent coverage while you're young and healthy? â
Do your parents or anyone else rely on you financially, even occasionally? â Are you planning to have children in the next 6 months? â Do you want a pet in the next year? â Do you have renterâs insurance? â
Hidden Need: Final expense coverage + early whole life for cash value & lock-in pricing. đš Client Case #3: "The Smith Family" Mark (45) and Tasha (42) have two teenagers, ages 13 and 16. Mark makes $120k as a consultant; Tasha runs their household. They just finished paying off a second mortgage. Theyâre âstarting to think about college and retirement.â Answer Options: â
Would you want the kidsâ college plans funded if something happened to you? â
Do you have enough coverage to protect your spouseâs lifestyle if your income stopped? â
Have you considered combining life protection with cash value to support future goals? â
How are you currently saving for retirement? â Have you started planning your estate yet? â Do you plan on buying another property this year? â
Hidden Need: Blended whole/term strategy for income replacement and cash value for college/retirement. đŽ Bonus Twist Slide (after each case): đĽ Hidden Need Revealed! Hereâs what many missed: James has no group benefits â he needs full protection as a freelancer.
Write 5 multiple choice questions for the following transcript ...Setting goals and budgeting. [tranquil music] Getting where you want to be involves three important skills. Setting realistic goals, knowing your net worth, and budgeting. [energetic music] Setting goals is a way to get control of your life. A goal is not the same as a dream. It's not pie in the sky stuff. It's something that's achievable and it comes with a time frame. If you have a big goal, like buying a house in five years' time, you might need a plan that involves a whole series of mini goals to get you there in stages. The important is finding something you know you can do. Most people find longterm goals hard to stick to. Don't worry about it. If 10 years seems too far away, set your horizons a little closer. Give yourself a set sum of money to save in the next few years. You can use it as a springboard to get to your next goal and it'll get you in the savings habit. Changes in your life circumstances may also affect your goal, so use this opportunity to review them. Think about your financial goals when you have some quiet time. It may sound a little obsessive, but write down what they are and how you're going to achieve them. Be specific, be realistic, and always, always keep your goals within reach. Achieving a goal is a great excuse to celebrate, so don't forget to reward yourself for your achievement. [energetic music] Imagine if tomorrow you had to sell everything you own and pay off everything you owe the bank or anyone else, would you be left with much? Would you be left with anything? That figure is called your net worth. It's a measure of your actual financial wealth and growing it over time is what getting sorted is all about. Use Sorted's net work calculator to find out where you're at. Decide what you want your net worth to be in a year's time. Think about your cash and other assets and work out how you might get there. Monitoring and growing your net worth over time is the thing that will eventually get you to retirement in good shape. [energetic music] Budgeting is another one of those, I can't believe I didn't do something so basic, type of things. Do a budget. Stick to it and you're in control. There are two approaches to budgeting. The first is what we call cold turkey. Each time you get paid, you work out what you need to pay for all your essentials. Use Sorted's budget calculator to do this. You then take the rest and put it straight into savings. Going cold turkey on all those other things that you usually throw your money away on. Be realistic with your savings. Don't be too hard on yourself as it could take time for you to get into the saving habit. But if you remove the temptation to spend, you'll improve your financial position each month. If that seems a bit rigorous, try the alternative nip and tick approach. Do a budget using Sorted's budget calculator and then take a hard look at where your money's going. We're prepared to bet there's a nip here and a tuck there that will result in savings and every month you save, you increase your net worth. So go to it. ChatGPT What are the three important skills needed to achieve your financial goals? A) Budgeting, investing, and saving B) Setting realistic goals, knowing your net worth, and budgeting C) Planning, tracking, and monitoring How can you make a big goal more achievable? A) By dreaming about it often B) By breaking it down into a series of mini goals C) By setting a longer time frame What is net worth? A) The amount of money you have in savings B) The value of everything you own minus what you owe C) The amount of money you earn each year What are the two approaches to budgeting mentioned in the transcript? A) Cold turkey and warm turkey B) Nip and tuck and cold turkey C) Nip and tick and warm turkey How can you increase your net worth every month? A) By dreaming about your financial goals B) By sticking to a budget and removing the temptation to spend C) By investing in high-risk stocks
Generate all of these 25 questions Part A: Each correct answer is worth 5. 1. The regular pentagon shown has a side length of 2 cm. The perimeter of the pentagon is (A) 2 cm (B) 4 cm (C) 6 cm (D) 8 cm (E) 10 cm 2 cm 2. The faces of a cube are labelled with 1, 2, 3, 4, 5, and 6 dots. Three of the faces are shown. What is the total number of dots on the other three faces? (A) 6 (B) 8 (C) 10 (D) 12 (E) 15 3. The equation that best represents \a number increased by _ve equals 15" is (A) n ô 5 = 15 (B) n _ 5 = 15 (C) n + 5 = 15 (D) n + 15 = 5 (E) n _ 5 = 15 4. The line graph shows the number of bobbleheads sold at a store each year. The sale of bobbleheads increased the most between (A) 2016 and 2017 (B) 2017 and 2018 (C) 2018 and 2019 (D) 2019 and 2020 (E) 2020 and 2021 Number of 2016 2017 2018 2019 2020 Year Sale of Bobbleheads 2021 Bobbleheads 20 40 60 80 5. Starting at 72, Aryana counts down by 11s: 72; 61; 50; : : : . What is the last number greater than 0 that Aryana will count? (A) 4 (B) 5 (C) 6 (D) 7 (E) 8 6. In the diagram, \ABC = 90_. The value of x is (A) 68 (B) 23 (C) 56 (D) 28 (E) 26 Day of the Week 44° x° A B C x° 7. Which of the following values is closest to zero? (A) ô1 (B) 5 4 (C) 12 (D) ô4 5 (E) 0:9 Grade 8 8. A jar contains 267 quarters. One quarter is worth $0.25. How many quarters must be added to the jar so that the total value of the quarters is $100.00? (A) 33 (B) 53 (C) 103 (D) 133 (E) 153 9. A package of 8 greeting cards comes with 10 envelopes. Kirra has 7 cards but no envelopes. What is the smallest number of packages that Kirra needs to buy to have more envelopes than cards? (A) 3 (B) 4 (C) 5 (D) 6 (E) 7 10. For the points in the diagram, which statement is true? (A) e > c (B) b < d (C) f > b (D) a < e (E) a > c y x (e, f ) (a, b) (c, d ) Part B: Each correct answer is worth 6. 11. The 26 letters of the English alphabet are listed in an in_nite, repeating loop: ABCDEFGHIJKLMNOPQRSTUVWXY ZABC : : : What is the 258th letter in this sequence? (A) V (B) W (C) X (D) Y (E) Z 12. A public holiday is always celebrated on the third Wednesday of a certain month. In that month, the holiday cannot occur on which of the following days? (A) 16th (B) 22nd (C) 18th (D) 19th (E) 21st 13. A circular spinner is divided into three sections. An arrow is attached to the centre of the spinner. The arrow is spun once. The probability that the arrow stops on the largest section is 50%. The probability it stops on the next largest section is 1 in 3. The probability it stops on the smallest section is (A) 1 4 (B) 2 5 (C) 1 6 (D) 2 7 (E) 3 10 14. A positive number is divisible by both 3 and 4. The tens digit is greater than the ones digit. How many positive two-digit numbers have this property? (A) 4 (B) 5 (C) 6 (D) 7 (E) 8 15. A rectangular pool measures 20 m by 8 m. There is a 1 m wide walkway around the outside of the pool, as shown by the shaded region. The area of the walkway is (A) 56 m2 (B) 60 m2 (C) 29 m2 (D) 52 m2 (E) 50 m2 20 m 8 m 1 m Grade 8 16. The results of asking 50 students if they participate in music or sports are shown in the Venn diagram. What percentage of the 50 students do not participate in music and do not participate in sports? (A) 0% (B) 80% (C) 20% (D) 70% (E) 40% Music Sports 15 5 20 17. There are 2 3 as many golf balls in Bin F as in Bin G. If there are a total of 150 golf balls, how many fewer golf balls are in Bin F than in Bin G? (A) 15 (B) 30 (C) 50 (D) 60 (E) 90 18. In the sequence shown, Figure 1 is formed using 7 squares. Each _gure after Figure 1 has 5 more squares than the previous _gure. What _gure has 2022 squares? (A) Figure 400 (B) Figure 402 (C) Figure 404 (D) Figure 406 (E) Figure 408 Figure 1 Figure 2 Figure 3 19. Mateo's 300 km trip from Edmonton to Calgary passed through Red Deer. Mateo started in Edmonton at 7 a.m. and drove until stopping for a 40 minute break in Red Deer. Mateo arrived in Calgary at 11 a.m. Not including the break, what was his average speed for the trip? (A) 83 km/h (B) 94 km/h (C) 90 km/h (D) 95 km/h (E) 64 km/h 20. Equilateral triangle ABC has sides of length 4. The midpoint of BC is D, and the midpoint of AD is E. The value of EC2 is (A) 7 (B) 6 (C) 6:25 (D) 8 (E) 10 Part C: Each correct answer is worth 8. 21. The positive factors of 6 are 1, 2, 3, and 6. There are two perfect squares less than 100 that have exactly _ve positive factors. What is the sum of these two perfect squares? (A) 177 (B) 80 (C) 145 (D) 52 (E) 97 22. In the list p; q; r; s; t; u; v, each letter represents a positive integer. The sum of the values of each group of three consecutive letters in the list is 35. If q + u = 15, then p + q + r + s + t + u + v is (A) 85 (B) 70 (C) 80 (D) 90 (E) 75 Grade 8 23. The net shown is folded to form a cube. An ant walks from face to face on the cube, visiting each face exactly once. For example, ABCFED and ABCEFD are two possible orders of faces the ant visits. If the ant starts at A, how many possible orders are there? (A) 24 (B) 48 (C) 32 (D) 30 (E) 40 A D B C E F 24. The number 385 is an example of a three-digit number for which one of the digits is the sum of the other two digits. How many numbers between 100 and 999 have this property? (A) 144 (B) 126 (C) 108 (D) 234 (E) 64 25. Student A, Student B, and Student C have been hired to help scientists develop a new avour of juice. There are 4200 samples to test. Each sample either contains blueberry or does not. Each student is asked to taste each sample and report whether or not they think it contains blueberry. Student A reports correctly on exactly 90% of the samples containing blueberry and reports correctly on exactly 88% of the samples that do not contain blueberry. The results for all three students are shown below. Student A Student B Student C Percentage correct on samples 90% 98% (2m)% containing blueberry Percentage correct on samples 88% 86% (4m)% not containing blueberry Student B reports 315 more samples as containing blueberry than Student A. For some positive integers m, the total number of samples that the three students report as containing blueberry is equal to a multiple of 5 between 8000 and 9000. The sum of all such values of m is (A) 45 (B) 36 (C) 24 (D) 27 (E) 29
LESSON 1 Origin of Life on Earth Learning Objectives ⢠Describe how Earth was formed. ⢠Describe the events that happened during Earth's formation. When and where did life possibly start? Many cultures develop different versions about the origin of life. However, modern scientists are still exploring the works of some well-known experts in the history of science in search of the true origin of life. Earth is said to be a little over 4.5 billion years (Gigaannum or Ga) old. The oldest material found on Earth that is estimated to be 4.3 billion years old is a zircon crystal. No one witnessed how Earth was formed and what exactly happened during that moment, but there are evidence that show how it all started. Earth's earliest times were geologically violent. There were continuous bombardment from meteorites. As Earth cooled and the surface solidified, the first solid rocks formed. Continents were not yet present; only a huge ocean with scattered small islands. Events such as erosion, sedimentation, and volcanic activities that were assisted by possible meteor impacts, gradually created the oceanic plates, which later evolved into continents. About 3.8 Ga, life on Earth initially began with single-celled organisms called prokaryotes. Over a billion year later, multicellular life evolved. Some studies show that life-forms began to evolve around 570 million years ago (Ma). This evolution started with early arthropods, followed by the fish (530 Ma), and land plants and forests (475 Ma and 385 Ma, respectively). It was only at around 200 Ma that early mammals emerged. Homo sapiens is believed to have evolved about 200000 years ago. Many things were revealed using fossil evidence, yet many questions remain unanswered about the origin of life. Science is continuously searching for answers on what was in the beginning.