questions attached. please consider subject matter. two questions 3 paragraphs or more each.

1. One of the disadvantages to a hybrid insurance plan is taxes. For example, a financial planner, having a hybrid insurance product inside of a trust fund may not be good because the benefits would become taxable if be paid to the consumer. Please expound in detail regarding why this is considered a disadvantage. Also list some other disadvantages. (3 paragraphs please list sources)

2. How is it advantageous for Worker’s compensation to take on the hybrid approach oppose to the traditional approach to insurance? (3 paragraphs please site sources)