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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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Vanderbilt University

Vanderbilt University is one of the major academic institutions in the southern U.S. Its 12,000 students enjoy such a beautiful campus populated by more than 300 tree and shrub varieties that it has been named a “national arboretum.”

The school has an impressive 8:1 student-to-faculty ratio, is a member of the Association of American Universities, and has produced six Nobel Prize Laureates.

Vanderbilt has a $5.3 billion endowment and a yearly operating budget of $4 billion, which is why the university can spend such substantial resources on its projects. In 2013, it invested $573.1 into research, while its hospital spent $843.6 million.

Vanderbilt advances science through many first-class institutes such as the Center for Medicine Health and Society, the Treatment and Research Institute for Autism Spectrum Disorders, and the Institute for Space and Defense Electronics.

In addition to these first-rate resources, scholars here enjoy a research library with more than 4.4 million volumes.

See where Vanderbilt ranks amongst The Richest University in the World
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