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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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Universitas Terbuka (UT, literally Open University) is Indonesia’s 45th state university and employs open and distance learning (ODL) system to widen access to higher education to all Indonesian citizens, including those who live in remote islands throughout the country as well as in various parts of the world. It has a total student body of more than 460,000.
UT's focus is on educating people who for various reasons including lack of funding, rural isolation and full-time employment, do not have opportunity to attend conventional face-to-face higher education institutions.

The University's mission is:

to expand the opportunity for quality higher education through the distance education system;
to produce competent academicians and professionals who are able to compete globally;
to increase participation in continuing education in order to create a knowledge-based society;
to increase the quality and quantity of research and development in the distance education system, especially in distance higher education;
to innovatively and continuously disseminate and share information on distance education especially on distance higher education;
to strengthen national unity and integrity through the broad and equal provision of higher education;
to increase cross-cultural understanding and networking through local, national and global partnerships;
to produce academic products in distance higher education as well as in other fields of knowledge.
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