Business Ethics

Instructions In this exercise read through the situational overview below. Using the information presented in Chapter 3 of your textbook, answer the following questions. Your answers should use a 12 point font, be double spaced, and use APA formatting to cite references on the last page of your assignment (if you use any external sources). It should be submitted as a Word or PDF document.  Situational Overview James Stilton is the chief executive officer (CEO) of RightLiving, Inc., a company that buys life insurance policies at a discount from terminally ill persons and sells the policies to investors. RightLiving pays the terminally ill patients a percentage of the future death benefit (usually 65%) and then sells the policies to investors for 85% of the value of the future benefit. The patients receive the cash to use for medical and other expenses, and the investors are “guaranteed” a positive return on their investment. The difference between the purchase and sale prices is RightLiving’s profit.  Stilton is aware that some sick patients may obtain insurance policies through fraud (by not revealing their illness on the insurance application). An insurance company that discovers such fraud will cancel the policy and refuse to pay. Stilton believes that most of the policies he has purchased are legitimate, but he knows that some are probably not.  Answer the following questions: ·        Would a person who adheres to the principle of rights consider it ethical for Stilton not to disclose the potential risk of cancellation to investors? Why or why not? ·        Under the categorical imperative, are the actions of RightLiving ethical? Why or why not?  ·        Under utilitarianism, are Stilton’s actions ethical? Why or why not? If most of the policies are legitimate, does this make a difference in your analysis? ·        Using the IDDR approach, discuss the decision process Stilton should use in deciding whether to disclose the risk of fraudulent policies to potential investors. ·        What are other ethical concerns that Stilton may be facing?  Submitting your Assignment 1.     Click the Submit Assignment button. 2.     Click the Choose File button and upload your file. 3.     Click the Submit Assignment button to submit. Rubric BUSN201: Written Assignment Rubric BUSN201: Written Assignment Rubric Criteria Ratings Pts This criterion is linked to a Learning OutcomeIntegration of knowledge Response provides integration of concepts covered in module content and textbook material to the questions answered while applying individual thought process and analysis regarding the concept. 16.0 to >14.0 pts Exceeds Standards The response demonstrates that the student fully understands and has applied concepts learned in the course. Concepts are integrated into the student’s own insights. The student provides concluding remarks that show the analysis and synthesis of ideas while completing the required answers to the questions. 14.0 to >3.0 pts Meets Standards The response demonstrates that the student, for the most part, understands and has applied concepts learned in the course. Some of the conclusions, however, are not supported in the body of the response. 3.0 to >0 pts Below Standard The response does not demonstrate that the student has fully understood and applied concepts learned in the course. Significant improvement is needed in one or more areas. 16.0 pts This criterion is linked to a Learning OutcomeCommunicates complete, cohesive ideas Response is thorough, complete, and cohesive and explanations are presented in a manner that is well thought out and easily understood by the reader. 16.0 to >14.0 pts Exceeds Standards Ties together information from all sources. Response flows from one issue to the next without the need for headings. The student’s writing demonstrates an understanding of the relationship among material obtained from all sources. 14.0 to >3.0 pts Meets Standards, For the most part, the student ties together information from all sources. The response flows with only some disjointedness. The student’s writing demonstrates an understanding of the relationship among material obtained from all sources. 3.0 to >0 pts Below Standard Does not tie together information. The response does not flow and appears to be created from disparate issues. Headings are necessary to link concepts. Writing does not demonstrate an understanding of any relationship. 16.0 pts This criterion is linked to a Learning OutcomeDepth of discussion Response presents students’ ideas in detail to help the reader conceptualize the content presented. 16.0 to >14.0 pts Exceeds Standards In-depth discussion & elaboration in all sections of the response. 14.0 to >3.0 pts Meets Standards In-depth discussion & elaboration in most sections of the response. 3.0 to >0 pts Below Standard Cursory discussion in all the sections of the response or brief discussion in only a few sections. 16.0 pts This criterion is linked to a Learning OutcomeSequence of ideas Response provides an organized document that is easily followed and flows throughout without causing confusion. 16.0 to >14.0 pts Exceeds Standards The sequence flows well, is easily understood, and answers all portions of the prompt in the order that the prompt was presented. The structure is presented in an organized manner. 14.0 to >3.0 pts Meets Standards The sequence mostly flows well, is somewhat understood and answers most portions of the prompt in the order that the prompt was presented. The structure is somewhat organized but provided some challenges in determining where answers are provided. 3.0 to >0 pts Below Standard The sequence does not flow well, is difficult to understand and answers some portions of the prompt in the order that the prompt was presented. The structure is not organized and provided many challenges in determining where answers are provided. 16.0 pts This criterion is linked to a Learning OutcomeWriting mechanics Spelling, grammar, sentence structure, and syntax errors are evaluated for the response. 10.0 to >8.0 pts Exceeds Standards No spelling, grammar, sentence structure, or syntax errors are found within the document. The readability of the response is not compromised. 8.0 to >2.0 pts Meets Standards Minimal but some spelling, grammar, sentence structure, or syntax errors are found within the document. The readability of the response is somewhat impacted by these mistakes. 2.0 to >0 pts Below Standard A noticeable amount of spelling, grammar, sentence structure, or syntax errors are found within the document. The readability of the response is significantly impacted by these mistakes. 10.0 pts This criterion is linked to a Learning OutcomeSources and citations All sources are cited within the document in APA style formatting in a reference page at the end of the document. 6.0 to >4.0 pts Exceeds Standards Cites all data obtained from other sources. APA citation style is used in both text and bibliography. 4.0 to >2.0 pts Meets Standards Cites most data obtained from other sources. APA citation style is used in both text and bibliography. 2.0 to >0 pts Below Standard Cites some data obtained from other sources. The citation style is either inconsistent or incorrect. 6.0 pts Total Points: 80.0 PreviousNext

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