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Nepalese migrants building the infrastructure to host the 2022 World Cup have died at a rate of one every two days in 2014 – despite Qatar’s promises to improve their working conditions, the Guardian has learned.

The figure excludes deaths of Indian, Sri Lankan and Bangladeshi workers, raising fears that if fatalities among all migrants were taken into account the toll would almost certainly be more than one a day.

Qatar had vowed to reform the industry after the Guardian exposed the desperate plight of many of its migrant workers last year. The government commissioned an investigation by the international law firm DLA Piper and promised to implement recommendations listed in a report published in May.

But human rights organisations have accused Qatar of dragging its feet on the modest reforms, saying not enough is being done to investigate the effect of working long hours in temperatures that regularly top 50C.
Nepalese migrant workers queue to receive official documents in order to leave Nepal from the labour department in Kathmandu.

Nepalese migrant workers queue to receive official documents in order to leave Nepal from the labour department in Kathmandu. Photograph: Prakash Mathema/AFP/Getty Images

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The Nepalese foreign employment promotion board said 157 of its workers in Qatar had died between January and mid-November this year – 67 of sudden cardiac arrest and eight of heart attacks. Thirty-four deaths were recorded as workplace accidents.

Figures sourced separately by the Guardian from Nepalese authorities suggest the total during that period could be as high as 188. In 2013, the figure from January to mid-November was 168.

“We know that people who work long hours in high temperatures are highly vulnerable to fatal heat strokes, so obviously these figures continue to cause alarm,” said Nicholas McGeehan, the Middle East researcher at Human Rights Watch.

“It’s Qatar’s responsibility to determine if deaths are related to living and working conditions, but Qatar flatly rejected a DLA Piper recommendation to launch an immediate investigation into these deaths last year.”

Some within Qatar suggest the cardiac arrest death rates could be comparable to those among Nepalese workers of a similar age at home. The Indian embassy argued this year that the number of deaths was in line with the average in their home country. But in the absence of robust research or any attempt to catalogue the cause of death, human rights organisations say it is impossible to properly compare figures.

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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.
How to Decide
Whether you should buy guaranteed or non-guaranteed life insurance coverage depends on many factors. Here are some factors to consider:
If necessary, will you be able to pay higher premiums? Most people who bought universal life policies 10-20 years ago, when 5-7% fixed interest rates were the norm, never envisioned the financial collapse in 2008 or the extended low-interest rates that we are currently experiencing. Those policies are now only earning 2-3% and the owners, often retirees, are faced with paying significantly higher premiums or losing the coverage.

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तल को बक्समा क्लिक गर्नुहोस

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