The premium is set at issue and clearly stated right in the policy. If things don’t work out as planned, the policy owner has to absorb the cost and pay a higher premium. 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 investments underperform or expenses go up, the insurer has to absorb the loss. 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. Today, companies offer a broad range of guaranteed and non-guaranteed life insurance policies. Guaranteed versus Non-Guaranteed Policies To compete, insurers began offering interest-sensitive non-guaranteed policies. Interest rates soared, and policy owners surrendered their coverage to invest the cash value in higher interest paying non-insurance products. It was simple, you paid a high, set premium and the insurance company guaranteed the death benefit. Choices were limited to term, endowment or whole life policies. Non-Guaranteed Permanent Life Insurance Policiesįifty years ago, most life insurance policies sold were guaranteed and offered by mutual fund companies. Other countries like Bhutan and Cambodia among others are also home to this wild beast which is believed to stand at the estimated 3,400 number in total

Second to the Kaziranga National Park in Indian state of Assam, Koshi Tappu Wildlife Reserve houses biggest number of wild buffaloes in the world. The animal with the scientific name Bubalus arnee is listed as an endangered species in the International Union for Conservation of Nature (IUCN)’s Red List of Threatened Species. There were 63 wild buffalos recorded in the country when the first census was taken in 2032 BS. The census was carried out in the Reserve, the only house for these wild beasts in the country, by the KTWR, National Nature Conservation Trust, Buffer Zone Consumer Committee, Buffer Zone Community User Forest Group and Bhagawati Prasad Battalion during March and April, shared Narayan Rupakheti, Information officer of the DoNPWC. The Department categorizes the number of wild buffaloes into 81 calves below one year, 35 calves aged 2 years, 14 half-adult wild buffaloes and 182 adult male and 120 adult female. A total of 432 wild buffaloes were recorded in the Reserve, an increment of 100 plus number than the last census in 2070 BS, according to the Department of National Parks and Wildlife Conservation (DoNPWC). The number of wild buffalo, a wild animal enlisted in the list of protected animals, has increased in Koshi Tappu Wildlife Reserve (KTWR).

Shree krishna luitel