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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 University of Puget Sound (Puget Sound. UPS) is a private liberal arts college located in the North End of Tacoma, Washington, in the United States.[2] It is the only national, independent undergraduate liberal arts college in Western Washington.

Puget Sound offers Bachelor of Arts, Bachelor of Science, Bachelor of Music, Master of Arts in Teaching, Master of Education, Master of Occupational Therapy, and Doctor of Physical Therapy degrees. The college draws approximately 2,600 students from 44 states and 16 countries. It offers 1,200 courses each year in more than 50 traditional and interdisciplinary areas of study.[8]

In 2012 Puget Sound was named one of 40 schools nationwide in the college guide Colleges That Change Lives: 40 Schools That Will Change the Way You Think About Colleges.[9] The guide cites the college's dynamic curriculum, close interaction between students and professors, ideal location, and enduring success of its alumni as qualities that set it apart from other schools.

Ties to The United Methodist Church remain though the college is no longer officially affiliated with the church and the board of trustees is independently elected.
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