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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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Monash University (/ˈmɒnæʃ/) is an Australian public research university based in Melbourne, Australia. Founded in 1958, it is the second oldest university in the State of Victoria. Monash is a member of Australia's Group of Eight and the ASAIHL, and is the only Australian member of the influential M8 Alliance of Academic Health Centers, Universities and National Academies. Monash is one of two Australian universities to be ranked in the The École des Mines de Paris (Mines ParisTech) ranking on the basis of the number of alumni listed among CEOs in the 500 largest worldwide companies.[6] Monash is in the top 20% in teaching, top 10% in international outlook, top 20% in industry income and top 10% in research in the world in 2016.[7]

Monash enrolls approximately 47,000 undergraduate and 20,000 graduate students,[8] It also has more applicants than any university in the state of Victoria.

Monash is home to major research facilities, including the Australian Synchrotron, the Monash Science Technology Research and Innovation Precinct (STRIP), the Australian Stem Cell Centre, 100 research centres[9] and 17 co-operative research centres. In 2011, its total revenue was over $2.1 billion, with external research income around $282 million.[10]

The university has a number of centres, five of which are in Victoria (Clayton, Caulfield, Berwick, Peninsula, and Parkville), one in Malaysia.[11] Monash also has a research and teaching centre in Prato, Italy,[12] a graduate research school in Mumbai, India[13] and a graduate school in Jiangsu Province, China.[14] Since December 2011, Monash has had a global alliance with the University of Warwick in the United Kingdom.[15] Monash University courses are also delivered at other locations, including South Africa.

The Clayton campus contains the Robert Blackwood Hall, named after the university's founding Chancellor Sir Robert Blackwood and designed by Sir Roy Grounds.[16]

In 2014, the University ceded its Gippsland campus to Federation University.[17] On 7 March 2016, Monash announced that it would be closing the Berwick campus by 2018.
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