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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.

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Yale University is a private Ivy League research university which is the third-oldest higher education institution in the US.

Yale traces its history back to 1701, when it was founded as the Collegiate School in Saybrook, Connecticut, which moved to New Haven 15 years later.

In 1718 it was renamed Yale College, in honour of Welsh benefactor Elihu Yale, and it was the first university in the US to award a PhD, in 1861.

Yale’s central campus covers 260 acres of New Haven, and includes buildings dating back to the mid-18th century.

The university is made up of 14 schools, and students follow a liberal arts curriculum, covering humanities and arts, sciences and social sciences before choosing a departmental major. Students also receive instruction in writing skills, quantitative reasoning and foreign languages.

Unusually for the US, Yale students are housed in residential colleges on the model of the universities of Oxford and Cambridge. There are 12 historic colleges, and construction of two more started in 2014.

Around one in five students is international, and more than half of all undergraduates receive scholarships or grants from the university.

Yale has an endowment that exceeds $25 billion (£17.3 billion), making it the second-richest educational institution in the world, and a library that holds more than 15 million volumes, making it the third-largest in the US.

Yale alumni and sports teams are known as “Bulldogs”, and many Yale graduates have gone on to notable careers in politics, the arts and science.

Four Yale graduates signed the American Declaration of Independence, and the university has educated five US presidents: William Howard Taft, Gerald Ford, George H. W. Bush, Bill Clinton and George W. Bush. Twenty Yale alumni have won Nobel prizes, including economist Paul Krugman, while 32 have won the Pulitzer Prize.

Other notable alumni include US secretaries of state Hillary Clinton and John Kerry, and actress Meryl Streep.

Yale’s campus includes many famous buildings, such as the Beinecke Rare Book & Manuscript Library, the Peabody Museum of Natural History and the Sterling Memorial Library.

New Haven is a city of about 130,000 people, located two and a half hours south of Boston, and an hour and a half north of New York. It has many shops, museums and restaurants, and is close to beaches, hiking trails and historic attractions.
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