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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.

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The University of Western Australia (UWA) is a research-intensive university in Perth, Australia that was established by an act of the Western Australian Parliament in February 1911, and began teaching students for the first time in 1913. It is the oldest university in the state of Western Australia. It is colloquially known as a "sandstone university". It is also a member of the Group of Eight.

UWA was established under and is governed by the University of Western Australia Act 1911.[2] The Act provides for control and management by the university's Senate, and gives it the authority, amongst other things, to make statutes, regulations and by-laws, details of which are contained in the university Calendar.[3]

UWA is highly ranked internationally in various publications: the 2013/14 QS World University Rankings[4] placed UWA at 84th internationally, and in August 2015 the Academic Ranking of World Universities from Shanghai Jiao Tong University placed the university at 87th in the world.[5] To date, the university has produced 100 Rhodes Scholars;[6] one Nobel Prize laureate[7] and one Australian Prime Minister[8] graduated from UWA.

UWA recently joined the Matariki Network of Universities as the youngest member, the only one established during the 20th century.
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