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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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Dr. A.P.J. Abdul Kalam Technical University, Lucknow formerly Uttar Pradesh Technical University is a public university in the Indian state of Uttar Pradesh set up by the government of Uttar Pradesh on 8 May 2000. To reduce workload and to ensure proper management, the university was bifurcated into separate universities: Gautam Buddha Technical University and Mahamaya Technical University with effect from 1 May 2010.[2] In 2013 as new government came into power this university was again formed by combining the two back together on 5 January 2013.[3]

According to the university's website, it is the biggest technical university in Asia. It had approximately 800 colleges affiliated to it.[4] The university is on the IET Lucknow campus. Additionally, the university had a Centre and Regional Office in Noida, Uttar Pradesh, which was retained by Mahamaya Technical University.

On 18 September 2015, the university was officially renamed as Dr. A.P.J. Abdul Kalam Technical University, Lucknow.
Dr. A.P.J. Abdul Kalam Technical University, Lucknow formerly Uttar Pradesh Technical University (UPTU) was established by the government of Uttar Pradesh on 8 May 2000 (Act No. 1248 (2)XVII-V-I-I-19-2000 Uttar Pradesh Adhiniyam Sankhya 23 of 2000). Under the University Act, 'Technical Education' includes programmes of education, research and training in engineering, technology, architecture, town planning, pharmacy, applied arts and crafts and such other programmes and areas that the central government may declare by notification in the Gazette in consultation with All India Council for Technical Education (AICTE). The university was bifurcated into the Mahamaya Technical University and Gautam Buddha Technical University as of 1 May 2010 for better management of education in the state. On 05/01/2013 the Uttar Pradesh government has decided to merge GBTU and MTU to bring back the original form of UPTU. On 31/10/2013, GBTU and MTU finally merged up back to UPTU, the university with the maximum number of Colleges affiliated to it, in India.
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