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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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University of Utah

The University of Utah is located in Salt Lake City just beyond the breathtaking Wasatch Mountains. Over 24,000 undergraduates and 7,500 postgraduates study 72 majors and 90 graduate fields of study. The university’s endowment is $668 million.

Utah hosted the 2002 Winter Olympics Village, as well as the opening and closing ceremonies. The university is particularly known for its contributions to biology and medicine. Its medical school implanted the first permanent artificial heart in 1982, while the Department of Pharmacology and Toxicology has done groundbreaking research in epilepsy treatment via their anticonvulsant drug development program.

Utah has also contributed to genetics through multi-generational studies done in conjunction with the Church of Jesus Christ of Latter Day Saints.

The university also made fundamental contributions to building the first packet-switching computer network that laid the groundwork for the Internet.

The University of Utah’s law school has also dominated state politics of decades, and was the only law school in the state until 1970.
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