May, 2005 Advanced Physics Laboratory. Alpha Ray Spectroscopy. 1. Introduction. In radioactive Î± decay, a nucleus with Z protons and a total of A nucleons decays to a lower energy. state with (Z-2, A-4) by emission of an âÎ± particleâ, a tightly bound nuclear fragment comprising 2. protons and 2 neutrons.
Insurance underwriters must achieve a balance between risky and cautious decisions. If underwriters allow too much risk, the insurance company will pay out too many claims. But if they don't approve enough applications, the company will not make enough money from premiums. Most insurance underwriters specialize in one of three broad fields: life, health, and property and casualty.
The insurance company pays $300,000 to the beneficiaries of those three insureds. The insurance company must collect $300 from each policy owner over the course of the period in order to pay this $300,000 in claims (i.e., 1,000 policyholders times $300=$300,000 in death claims paid).