Which of the following is NOT an exempt security under the Uniform Securities Act?

a.A general obligation bond issued by a school district
b.Common stock issued by a commercial bank
c.Bonds issued by a nonprofit religious organization
d.A variable annuity contract issued by a licensed insurance company

Giải thích

The insurance company exemption covers traditional insurance and fixed annuity products, but a variable annuity is a security whose value depends on a separate investment account and it is not exempt on that basis. Municipal obligations, securities issued by banks, and securities of nonprofit religious and charitable organizations all appear on the exempt security list. The identity or nature of the issuer is what drives most of these exemptions.

Trích dẫn luật: Uniform Securities Act

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