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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 the Punjab was given its initial impetus by Wood's despatch in 1854. Gottlieb Wilhelm Leitner was the founder of the university. Contrary to the three previously established universities, which were only examining institutions, the University of the Punjab was both teaching as well as examining body right from the beginning.

From its formation in 1882 until 1947, the University of the Punjab served the educational needs of the entire region of pre-independence Punjab and northern India. Mohindra College, Patiala was the first college of higher learning to affiliate with University of Punjab in 1882; followed by St. Stephen's College, Delhi. The independence of Pakistan in 1947 reduced the geographical jurisdiction of the university, as it was split into two separate universities in the respective countries. The Indian portion of the university is referred to as Panjab University, Chandigarh, India. The current Institute of Administrative Sciences was created in 1962.

Many major institutions that were previously affiliated to Punjab University have now become independent universities on their own, such as Government College University, Lahore and Medical and Engineering Colleges
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