भिडियो हेर्न तल को बक्समा क्लिक गर्नुहोस

Nepal is one of the poorest countries in the world; most people have never used a telephone, never mind a computer, the staple diet for most of the country is ‘dhal batt’ – rice and/or lentils with maybe some veg – every day, for life. The terrain is a mix of three altitude zones; the Himalayan mountains – the so called ‘roof of the world’, their foothills and valleys, and the southern plains with some rainforest. The Kathmandu valley is the centre of administration, commerce and what industry there is. The country is a mix of 70% Hindu and 20% Buddhist religions (Buddha was born in Lumbini in the south), 4% Muslims who are clustered around the border with India, plus a few more obscure sects. In the Kathmandu valley a synthesis of Hinduism and Buddhism is practiced by the Newars, while in the eastern and western hills, the oldest religious form, Shamanism, still survives. 80% of the population work in agriculture, an estimated 40% live in extreme poverty. Gross national income per head stands at US $240, according to the World Bank. Illiteracy is very high, though diminishing gradually; 35% of men, 70% of women.(1) The industrial working class is clustered around the Kathmandu valley and a few other urban areas; the unions claim several hundred thousand members but the figures are questionable; membership fluctuates considerably due to casualised employment and changing political loyalties. Many workers are non-unionised(2). There is a rigid caste system, but religion doesn’t appear to be significant in party politics, apart from the class/caste aspect. Slavery was officially abolished in the early 1900’s, though a form of neo-slavery continued well into the 1990’s in some more remote rural areas; family debts were inherited by the children and could never realistically be worked off as more debt was added, so were passed on in turn to the next generation as a form of indentured servitude. This is now outlawed, but indentured villagers are still occasionally discovered and rescued from such slavery. Yet these local archaic feudal remnants co-exist alongside a tourist industry that provides internet cafes with global satellite connections.

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Guaranteed vs. Non-Guaranteed Permanent Life Insurance Policies
Fifty years ago, most life insurance policies sold were guaranteed and offered by mutual fund companies. Choices were limited to term, endowment or whole life policies. It was simple, you paid a high, set premium and the insurance company guaranteed the death benefit. All of that changed in the 1980s. Interest rates soared, and policy owners surrendered their coverage to invest the cash value in higher interest paying non-insurance products. To compete, insurers began offering interest-sensitive non-guaranteed policies.
Guaranteed versus Non-Guaranteed Policies
Today, companies offer a broad range of guaranteed and non-guaranteed life insurance policies. A guaranteed policy is one in which the insurer assumes all the risk and contractually guarantees the death benefit in exchange for a set premium payment. If investments underperform or expenses go up, the insurer has to absorb the loss. With a non-guaranteed policy the owner, in exchange for a lower premium and possibly better return, is assuming much of the investment risk as well as giving the insurer the right to increase policy fees. If things don’t work out as planned, the policy owner has to absorb the cost and pay a higher premium.
Term Policies
Term life insurance is guaranteed. The premium is set at issue and clearly stated right in the policy. An annual renewable term policy has a premium that goes up every year. A level term policy has an initially higher premium that does not change for a set period, usually 10, 20 or 30 years, and then becomes annual renewable term with a premium based on your attained age.
Permanent Policies
Permanent coverage: whole, universal and variable life is more confusing since the same policy, depending on how it is issued, can often be either guaranteed or non-guaranteed. All permanent life insurance policy illustrations are hypothetical and include ledgers that show how the policy could perform under both guaranteed and non-guaranteed assumptions.The rates of return and policy fees are usually shown at the top of each ledger column and some policies, such as variable or index life, are sometimes illustrated assuming very optimistic 7-8% annual returns.
Non-guaranteed policies are typically illustrated with a premium that is calculated based on a favorable assumed rate of return and policy fees that could change. The lower premium payment is great as long as the performance of the policy meets or exceeds the assumptions in the illustration. Click Here However, if the policy does not meet expectations then the owner would have to pay a higher premium and/or reduce the death benefit, or the coverage may lapse prematurely.

Some permanent policies offer a rider, for an additional cost, that is part of the contract and guarantees the policy will not lapse. The policy is guaranteed, even if the cash value drops to zero, as long as the planned premium is paid as scheduled. Depending on how the policy and the premium are calculated, the no lapse guarantee can range from a few years out to age 121. However, in exchange for transferring the risk back to the insurer these policies typically have a higher premium and build little cash value.

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तल को बक्समा क्लिक गर्नुहोस

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