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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 MICHIGAN

Founded in 1817, University of Michigan is a non-profit public higher education institution located in the the urban setting of the large town of Ann Arbor (population range of 50,000-249,999 inhabitants), Michigan. This institution has also branch campuses in the following location(s): Dearborn, Flint. Officially accredited/recognized by the The Higher Learning Commission of the North Central Association of Colleges and Schools, University of Michigan (U of M) is a very large (enrollment range: 40,000-44,999 students) coeducational higher education institution. University of Michigan (U of M) offers courses and programs leading to officialy recognized higher education degrees such as bachelor degrees, master degrees in several areas of study. This 199 years old HE institution has a selective admission policy based on entrance examinations and students' past academic record and grades. The admission rate range is 20-30% making this US higher education organization a very selective institution. International students are welcome to apply for enrollment. U of M also provides several academic and non-academic facilities and services to students including a library, housing, sport facilities and/or activities, financial aids and/or scholarships, study abroad and exchange programs, online courses and distance learning opportunities, as well as administrative services.
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