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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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The Open University (OU) is a public distance learning and research university, and one of the biggest universities in the UK for undergraduate education. The majority of the OU's undergraduate students are based throughout the United Kingdom and principally study off-campus; many of its courses (both undergraduate and postgraduate) can also be studied anywhere in the world.[5] There are also a number of full-time postgraduate research students based on the 48-hectare university campus[6][7] where they use the OU facilities for research, as well as more than 1000 members of academic and research staff and over 2500 administrative, operational and support staff.[8] The OU was established in 1969 and the first students enrolled in January 1971.[9] The University administration is based at Walton Hall, Milton Keynes in Buckinghamshire, but has regional centres in each of its thirteen regions around the United Kingdom. It also has offices and regional examination centres in many other European countries. The university awards undergraduate and postgraduate degrees, as well as non-degree qualifications such as diplomas and certificates or continuing education units.

With more than 250,000 students enrolled, including around 32,000 aged under 25[10] and more than 50,000 overseas students,[11] it is the largest academic institution in the United Kingdom (and one of the largest in Europe) by student number, and qualifies as one of the world's largest universities. Since it was founded, more than 1.5 million students have studied its courses.[11] It was rated top university in England and Wales for student satisfaction in the 2005,[12] 2006[13] and 2012[14] United Kingdom government national student satisfaction survey, and second in the 2007 survey.[15] Out of 132 universities and colleges, the OU was ranked 43rd (second quartile) in the Times Higher Education Table of Excellence in 2008, between the University of Reading and University of the Arts London; it was rated highly in Design, Art History, English, Earth and Environmental Sciences, Computer Science, Development Studies, Social Policy and Social Work and Sociology.[16] It was ranked overall as a nationally top forty, and globally top five hundred university by the Academic Ranking of World Universities in 2011, as well as being ranked 247 for citations of its academics.[17]

The Open University is also one of only three United Kingdom higher education institutions to gain accreditation in the United States of America by the Middle States Commission on Higher Education,[18] an institutional accrediting agency, recognized by the United States Secretary of Education and the Council for Higher Education Accreditation
The Open University was founded by the Labour Party government under Prime Minister Harold Wilson. Wilson was a strong advocate, using the vision of Michael Young. Planning commenced in 1965 under Minister of State for Education Jennie Lee, who established a model for the OU as one of widening access to the highest standards of scholarship in higher education, and set up a planning committee consisting of university vice-chancellors, educationalists and television broadcasters, chaired by Sir Peter Venables. The British Broadcasting Corporation (BBC) Assistant Director of Engineering at the time James Redmond, had obtained most of his qualifications at night school, and his natural enthusiasm for the project did much to overcome the technical difficulties of using television to broadcast teaching programmes.

Wilson envisioned The Open University as a major marker in the Labour Party's commitment to modernising British society. He believed that it would help build a more competitive economy while also promoting greater equality of opportunity and social mobility. The planned utilisation of television and radio to broadcast its courses was also supposed to link The Open University to the technological revolution underway, which Wilson Saw as a major ally of his modernization schemes., However, from the start Lee encountered widespread scepticism and even opposition from within and without the Labour Party, including senior officials in the DES; her departmental ‘boss’, Anthony Crosland; the Treasury; Ministerial colleagues, such as Richard Crossman; and commercial broadcasters. The Open University was realized due to Lee's unflagging determination and tenacity in 1965–67, the steadfast support from Wilson, and the fact that the anticipated costs, as reported to Lee and Wilson by Arnold Goodman, seemed very modest. By the time the actual, much higher costs became apparent, it was too late to scrap the fledgling open university

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