Product Of Pragati Life Insurance

Product of Pragati Life Insurance
Products of Pragati Life Insurance Company are given below:
Product–1
Jibon Sathi (With bonus)
This is very special saving Insurance Policy. Now–a–days seen in many policy's insured gets only
half of the policy amount after 4/5 years. But in Pragati Life Insurance Policy the insured will
benefit by after 5 years in every year.
Characteristics:
1. After 5 years complete of policy, the insurer will get 10% of policy in every single year. After
completing the policy time the insured will received the policy amount with bonus. 2. Before ending
the policy time, if the insured will die by paying one or more policy in spite of that the insurance
company will pay the policy amount with discount.
As an example Tk. 1,00,000 ... Show more content on Helpwriting.net ...
And ending of 2/3 time of the policy the insured ger another 25% of insurance amount. After ending
policy time, the insured will get remain 50% of insurance amount with profit. If the policy holder
die before ending policy time, the nomine will get the insurance amount.
Product–7
Jibon Bondhu (with bonus)
By Jibon Bondhu policy, Pragati Life Insurance offer a special facilities for the insured. The insured
can change his policy as he like. If he is not altering, the insured will get insurance amount with
bonus or if he dies, the nominated person will get insurance amount with bonus. After crossing 4
years of policy, the policy holder also change his policy. For that some operations under change will
be applied. They are:
In this policy under, if insured changes his policy after 4 yearsm, the policy holders get some
advantages with some extra facilities .The policy will change under these alternatives. They are:
Alternatives–1 The premium will not pay after 4 years, the risk of insurance amount can be taken for
the entire periods. If the finishing of policy time, the holder is alive, he will get the premium with
bonus.
Alternatives–2 Not paying premium for rest of the policy time after 4 years, extra insurance policy
can be taken or take the advantage. But in this case the premium will not return after ending of
policy period. The authorities will take decision about the increasing insurance amount.

Alternatives–3
... Get more on HelpWriting.net ...

Eli Lilly And Company : Lilly Essay
Eli Lilly and Company Eli Lilly & Company (Lilly) was founding in 1876 by Colonel Eli Lilly in
Indianapolis, Indiana. A veteran of the United States Civil War and a pharmaceutical chemist by
trade, Lilly set out to start a company with three underlying goals. First manufacture high quality
pharmaceutical products, second medications would be dispensed by medical staff rather than
through a mobile tradeshows which was popular at the time, and finally, Lilly's medication would be
developed using current science data. In 1886, Lilly went on to hire a pharmaceutical chemist which
led to Lilly's esteemed research and development history that they are known for to this very day
(Lilly, 2015). In fact, some of the greatest advances in medication can be traced back to Lilly. Lilly's
research and development for insulin dates back to 1923 and continues to this day (Lilly, 2015).
Lilly also had a hand in mass producing Penicillin and the Polio Vaccine. According to the Eli Lilly
& Company Annual Report (2015), over 50% of the vaccine used to eradicate polio was Eli Lilly
labeled. Through research and development, Lilly's storied past continued with the development of
some of the most popular drugs to treat depression (Prozac), diabetes (Humulin), oral antibiotic
(Ceclor), schizophrenia (Zypexa), postmenopausal osteoporosis (Evista), and male erectile
dysfunction (Cialis) just to name a few. Through Lilly's core values– integrity, excellence, and
respect for

The Hurt Locker, Directed by Kathryn Bigelow Essay
As most of you know by now the movie The Hurt Locker won the Oscar for movie of the year, and
this makes me very angry. My civilian friends keep asking me why I'm so mad, because most of
them enjoyed watching it. Simply put it's because the movie is full of lies, exaggerations, and ugly
people. 'But it's a movie' they say, 'of course it's not realistic'. That's strange.. because the back of
The Hurt Locker box says 'Powerfully Realistic'. Yet this movie is about as far from realism that a
movie can be (this claim includes all movies about time travel, and vampires, but excludes any
movies starring the Wayans brothers). Don't get me wrong here– I'm not a stickler for all military
realism. The military uniforms in the Transformers are ... Show more content on Helpwriting.net ...
So if Magneto is SO powerful why didn't he just rip up the foundations of the prison and take it to
his evil hideout instead of relocating a bridge for an obviously suicidal frontal assault? Fantasmical
stupidity at its finest– and that is why X–Men 3 will never live up to its predecessors. When I first
thought about writing this blog entry I considered writing a list of all the mistakes the movie makes,
but my list became way too long and boring. Instead I decided to describe just how outlandish The
Hurt Locker is by writing my own movie script, but this one is the medical equivalent, I call this
version The Hurt Locker: McDoogie Returns with a Vengeance
Scene 1:
Time: It's Go Time!
Place: Decatur Memorial Hospital
Doctor McDoogie: Alright nurse what do we got?
Nurse 1: His heart was removed by a medicine man while his body was put into a pit of burning
lava. It doesn't look good.
McDoogie: I don't like your attitude nurse. Now get me a juice box.
Nurse 1: Yes doctor. But wouldn't you like to put on your gloves first before you start operating?
McDoogie: If this guy is going to die I might as well be comfortable while I'm working on him.
Nurse 2: Doctor what meds should we give him.
McDoogie: Do what you think is

Janet 's Case For Life Insurance
Janet applied for life insurance on February 10, 2003. The amount her policy would pay out upon
her death would be $250,000. On September 1, 2005 Janet was sadly murdered which caused the
life insurance company to pay out the beneficiary who in our case is Janet's husband, Craig.
Although the contract should have been paid out in full upon Janet's death, the insurance company is
refusing to pay out the policy. When Janet applied for life insurance in 2003 she when through an
extensive application form which is typical for all life insurance contracts. On this form she was
asked about her health specifically if she had been operated on or been hospitalized in the last ten
years. Along with that and many other things Janet was asked if she had any lung disorders. She
replied to both of these questions with no when in fact she had been in the hospital several times in
the last ten years and had a lung disorder. She suffers from recurrent chest pains and abdominal
pains. She has also been diagnosed with pulmonary embolism. For these two reason and more the
life insurance company is refusing to payout the policy to Craig.
A normal case of life insurance is paid out upon the death of the person insured but in this
circumstance the payment is being withheld. The main legal issue in this case is can the life
insurance company withhold payment of the insured amount. On that another hand does Craig, the
beneficiary of the life insurance, have the right to receive or to be owed the

Analysis Of The Article ' Lilly Ledbetter Fair Pay Act
In the article "Lilly Ledbetter Fair Pay Act," the National Women's Law Center states, on average,
women earn 78 cents for every dollar their male counterparts earn. Of these women, African
American women earn 64 cents, while Latin American women earn a mere 55 cents. The Lilly
Ledbetter Fair Pay Act became one of the many stepping stones in achieving equal pay. Women
must continue to make people aware of the discrimination they faced in the workplace on a daily
basis.
Wage discrimination is embedded in our legal system. The ongoing battle for equal pay for women
dates back to the Civil War. Throughout history, men seemed as the ideal–type of employers. Men
were primary the breadwinners, and women who worked at the time only pinch in money oppose to
having a stable salary equivalent to their male counterparts. The job roles such as nurses, teacher,
and retail sales clerk became a "traditional female" occupations. In "Here's the History of the Battle
for Equal Pay for American Women," Charlotte Alter points out a letter sent to the editor of the New
York Times on February 1869. In this letter, the writer questioned why female government officials
did not have similar pay to their male colleagues: 'Very few persons deny the justice of the principle
that equal work should command equal pay without regard to the sex of the laborer.' Even in the late
19th century in which men had far more opportunities than women, people question the inequality in
regards of the workplace. The

Advantages Of Unit Linked Insurance Plans
Chapter V
Summary of Finding and Conclusion
5.1 Introduction
A unit–linked insurance plan is a multi–featured product which combines the benefits of insurance,
risk sharing and investment. The investment in a unit linked insurance plan works like a mutual fund
and does not come with guaranteed returns, unlike money back, whole–life or endowment policies.
Hence a unit linked insurance plan combines the features of investment and life protection. It
enables the life insured to secure protection for their family in the event of untimely death and
simultaneously provides the life insured, an opportunity to earn a return on the premium paid
towards the policy. One of the biggest benefits of unit linked plans is that they provide the means for
individual ... Show more content on Helpwriting.net ...
The study found that, 32.5 percent of respondents agreed, 40.8 percent of respondents strongly
agreed and 26.7 percent of respondents very strongly agreed regarding the statement
Aware 2: "I know the recent changes in life insurance industry". The study identified that 18.8
percent of respondents agreed, 59.4 percent of respondents strongly agreed and 21.7 percent of
respondents very strongly agreed with the statement. Aware 3: "I know the importance of life
insurance policies".
The study identified that 17.5 percent of respondents agreed, 47.7 percent of respondents strongly
agreed and 34.8 percent of respondents very strongly agreed with the statement
Aware 4: "I have already invested and taken life insurance policies".
The study also identified that 18.7 percent of respondents agreed, 42.7 percent of respondents
strongly agreed and 38.7 percent of respondents very strongly agreed with the statement. Aware 5: "I
gain knowledge of insurance product and its services through various sources"
The study identified that 20 percent of respondents agreed, 48.5 percent of respondents strongly
agreed and 31.5 percent of respondents very strongly agreed with the

Financial Statements Of American Heart Association
The financial statements of American Heart Association convey valuable information to outside
users about the organization and how it utilizes financial resources. The objective of this essay is to
identify five things that can be learned about an organization from their financial statements.
The first thing that can be learned about every nonprofit comes from reviewing the Statement of
Activities and the following Statement of Functional Expenses. These statements describe a broad
categorization of the different program related services provided and the supporting services needed
to run those programs. Expenses related to these programs are defined as those directly relating to
the organization's mission or purpose. For AHA, their programs include research, public health
education, professional education and training, and community services. Supporting services are
those that do not directly relate to the mission or purpose of the organization, and therefore can be
further split into services required to generate future contributions and services to run the
administrative side of the organization. The Statement of Functional Expenses provides a
breakdown of natural expenses (salaries, rent, professional fees, etc.) by the different program and
supporting services. This allows the user to see a breakdown of the salaries expense number by
program, fundraising, and administrative staff. A common tool for comparing and evaluating
nonprofits is to compare program expenses to

The Deregulation Of The Insurance Industry Essay
INTRODUCTION
Life insurance is a form of insurance that pays monetary proceeds upon the death of the insured
covered in the policy. Essentially, a life insurance policy is a contract between the named insured
and the insurance company wherein the insurance company agrees to pay an agreed sum of money
to the insured 's beneficiary. With a large population and the untapped market area insurance
happens to be a very big opportunity in India. Today it stands as a business growing at the rate of
15–20% annually. Together with banking services, it adds about 7 percent to the country's GDP. In
spite of all this, the growth statistics of the penetration of the insurance in the country is very poor.
Nearly 80% of Indian population is without life and health insurance cover. This is an indicator that
growth potential for the insurance sector is immense in India. It was due to this immense growth that
the regulations were introduced in the insurance sector and in continuation "Malhotra Committee"
was constituted by the government in 1993 to examine the various aspects of the industry. The key
element of the reform process was participation of overseas insurance companies with 26% capital.
Creating a more competitive financial system suitable for the requirements of the economy was the
main idea behind this reform.
CLASSIFICATION OF INSURANCE
The insurance industry in India can broadly classified in two parts. They are.
1) Life insurance.
2) Non–life (general) insurance.
LIFE

Women´s Right Movement: Gender Inequality
"No Society treats its women as well as its men" is a quote from the United Nations Development
Program when they were asked about the issue of gender inequality, which was featured in the
Chicago Tribune News. Fifty years earlier, the United Nations General Assembly adopted the
Universal Declaration of Human Rights, which specified that everyone, regardless of gender, was
entitled to the same rights and freedoms (The Universal Declaration of Human Rights). Fifty years
later though, countries are still falling short of achieving the goal of gender equality. Many find it
hard to believe that the United States is among the countries that have yet to fulfill the goal of
achieving gender equality. Women began the fight for equality in 1848 by ... Show more content on
Helpwriting.net ...
It also undermined the Congressional goal of eliminating discrimination in the workplace" (National
Women's Law Center). Women also face discrimination because they are often penalized for having
children. Women must face outdated ideas of what a woman can accomplish if she's pregnant or
already has children. The jobs that are considered traditional for women and are more understanding
about women being mothers, are usually the lowest–paying jobs. Another negative effect of gender
inequality is the increased fear of violence for women. Women are often portrayed as weak and
helpless beings that can easily be taken advantage of. United Nations Secretary–General Ban Ki–
moon states that, "Violence against women and girls continues unabated in every continent, country
and culture. It takes a devastating toll on women's lives, on their families and on society as a whole.
Most societies prohibit such violence –yet the reality is that too often, it is covered up or tacitly
condoned" (Unite to End Violence Againist Women, 2006). Violence against women in the form of
rape, spousal abuse, child abuse or spousal killing has become routine behavior over the years, so it
rarely even makes the news anymore. "Women aged 15–44 are more at risk from rape and domestic
violence than from cancer, motor accidents, war and malaria, according to World Bank data"( Unite
to End Violence Againist Women, 2006). Women are often blamed and questioned about their
actions if they become the

Institutional Funds Act (UMIFA): A Case Study
Until 2006, The NPF followed the guidelines laid down in the Uniform Management of Institutional
Funds Act (UMIFA). Under this act, the charitable organizations were allowed to spend the
appreciation difference from an endowment fund over the fund's "historic dollar value" to the extent
the organization deems it to be prudent. The historical value comprises of all the aggregate value of
contributions to an endowment fund at the time they were originally made. The charitable
organization could consider and spend some of the endowment fund appreciation as income, and put
it to use for relevant purposes. However, under UMIFA, once the amount of endowment fund falls
below its historical or original value (i.e. an underwater endowment fund), the ... Show more content
on Helpwriting.net ...
Since the firms struggled in meeting their expenses when the spending activities from the
underwater endowment funds were required to be ceased or limited, there felt a need for the change
in the policies and act to address these issues.
On xxxx, a new law was enacted to manage this issue. The Uniform Prudent Management of
Institutional Funds Act (UPMIFA) was more liberal and provided greater flexibility in terms of
spending from the underwater endowment funds. This revised statute, was enacted and adopted by
majority of the states and many organizations expressed their interest in rapid convergence to the
new law as unlike its predecessor the underwater endowment funds under this act could be still used
for spending.
The UMIFA and UPMIFA both define the term "endowment fund" as a fund that is restricted by the
donor so that it is not "wholly expendable by the organization on a current basis." Funds designated
as an endowment fund by an organization itself (i.e., board–restricted endowment funds) are not
endowment funds for purposes of the statutes.

Common Mistakes Of Filipino Seafarers
which pushes him to go for sailing again. As a result, essential time is lost when a lot of contribution
can be made to his savings. By the time he realizes about the amount of money needed, he already
has a family and several expenses to shoulder (Marine Insight, 2017).
Common Mistakes of Seafarers
Times are changing and so are shipowners and requirements of seafarers. Just because their salaries
have not increased in real terms does not mean that the cost of living on shore has not increased. In
fact, the cost of living, medical expenses and also the life aspirations on shore have gone up
substantially. Unless they plan our finances wisely and realistically we could be in for a serious
shock in our later lives. Seafarers often do not plan for their own medical ... Show more content on
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Maritime industry creates good impact on Philippines economy thru the help of Filipino modern
heroes also known as Overseas Filipino Workers (OFW). Filipino seafarers are competitive among
others due on reliable and hardworking personality. Despite of that, maritime industry provides a lot
of challenges on each individual which is part of the industry and it is entitled as one of the most
critical jobs around the world. This study focusses on the challenges may encountered of Filipino
seafarers on board in order to propose work–life balance. With intent to help Filipino seafarers to
improve their way on how they handle daily life on and off the vessel. The researchers used
descriptive study to provide naturally occurring health status, behavior, attitude, or other
characteristic of particular group. Utilizing the data gathered obtained from 80 seafarers from
Magsaysay Training Center with the used of primary data gathering tool which is a researcher made
instrument. Findings reveal that majority of Filipino seafarers are preferred male

Introduction to Actuarial Science
UNIVERSITY OF CAPE TOWN NOVEMBER 2009 EXAMINATIONS INTRODUCTION TO
ACTUARIAL SCIENCE (BUS1003H) Time allowed: 2 hours Total marks: 70 INSTRUCTIONS
Answer all questions You must show your working in full in all questions Approved calculators may
be used, but all memories and user–supplied programmes must be cleared before you begin the
examination. Some tables are provided. For each of the multiple choice questions write down
exactly one of the symbols A,B,C or D to indicate which of the suggested answers you think is most
correct. Marks shown are approximate. The Question Paper is in 8 parts. Answer each ... Show more
content on Helpwriting.net ...
you will make a profit if the market price is greater than the strike price B. you have the possibility
of an unlimited gain C. you are at risk of an unlimited loss D. you received a premium which is your
minimum gain [2] Question 6 Barriers within an organisation which prevent market–sensitive
information being leaked from one division to another are known as: A. Japanese mountain ranges
B. Korean fences C. Chinese walls D. Cambodian palisades [1] Question 7 The use of material non–
public information regarding the financial situation of a listed company in order to make a profit on
the stock market is most clearly an example of: A. Insider trading A. Conflict of interest B. Creative
accounting. C. External pressure on exercise of judgement [1] Question 8 General insurer A has
reinsured a large risk under individual risk excess of loss cover with two reinsurers B & C as
follows: R2 000 000 XS R1 500 000 with Reinsurer B R5 000 000 XS R4 000 000 with Reinsurer C
The general insurer receives a claim on this risk for R10 000 000. What proportion of the total claim
will be paid by general insurer A? A. 15% B. 20% C. 25% D.

Essay on Eliminating the National Endowment for the Arts
The National Endowment for the Arts is an independent agency of the federal government
specifically designed to support and enhances the art community for minority groups. The NEA was
founded in 1965 and has controlled the art community ever since. This has aided in censoring works
of supposedly obscene and controversial art. The elimination of the NEA, or making it a private
organization, would free much needed public tax dollars to go to more important parts of the nations
budgets, as well as open the art communities up for the freedom to exhibit the controversial pieces
of art work the NEA deems inappropriate.
Congress created The National Endowment for the Arts in response to the National Foundation on
the Arts and the Humanities Act ... Show more content on Helpwriting.net ...
The National Foundation on the Arts and Humanities Act of 1965 states that it is up to the Federal
Government to assist the local, state, regional and private agencies and artist in developing arts in
the communities in several different ways. It also states that the Federal Government is to encourage
freedom of thought, imagination, and inquiry but also the material conditions facilitating the release
of this creative talent. Lastly, the Act states that it is to fulfill an educational mission and make
widely available the greatest achievements of art "National Foundation on the Arts and Humanities
Act of 1965").
What the NEA set out to do and what it does are two different things. The NEA is first and foremost
set up as a nonpartisan branch of the government; however, throughout the past decade, the NEA
has been found in the pockets of many partisan politicians. An independent agency of the
government is supposedly not controlled by Democratic or Republic parties. In the past decade
proof of political control and gain has been proven to regulate the NEA. The parties use the NEA to
gain political standing in the races, and "[t]hey have been eager to promote government involvement
in setting the arts agenda–especially in creating art that promotes the... administration" (Keane 2).
Grants were given to the artist that made their art pieces focus on the issues the Obama
administration was promoting. Prior to the Obama administration, there were

Reward The Best By Bajaj Allianz Life Insurance Company
Reward the Best In bajaj allianz life insurance Company, the Talent Management Program is a
unique platform that assesses the Performance and Potential of an employee and hence comes out
with a more balanced view of individuals ' abilities. It helps to develop an organizational wide talent
map thereby enabling the organization to identify key talent and nurture them. In this program, each
employee is mapped on a performance vs. potential grid enabling us to groom an employee not only
on the basis of performance but potential talent as well. Through Talent Management Program they
now have a holistic view of an individual's abilities as it recognizes Key Resources and provide
them with growth opportunities; facilitates retention of High Performers and complements the
rewards system. It also facilitates designing of Personal Development Plan (PDP) and Personal
Improvement Plans (PIP) for employees and hence provides the basis for Training Needs Analysis
(TNA).The Excellence Awards endow a national platform on which Excellence in each field of our
operations is recognized. It is instituted to value the efforts and contributions made by the
employees and to appreciate Excellence in all their endeavors. The employees are evaluated on
certain pre–defined parameters such as Ambition and Drive, Ability and Willingness to Learn,
Customer Orientation, and People Orientation etc. The nominations go through an extremely robust
evaluation at the highest level of management and the

Report in Delta Life Insurance Company
Executive Summary The development of a country depends up on the consolidate development of
all infrastructures like–agricultural sector, industrial sector, financial sector, technological sector etc.
But developing all these structures is not easy. A lot of troubles and threats always hinder and make
difficulties to success. The most difficult problem is financial risk. So if it is feasible to provide
financial protection then most of the structural development will be achievable with minimal efforts.
And the most well known practical method for handling financial risk is insurance. Delta Life
Insurance Company Limited was incorporated in November 10, 1986 and is mainly engaged in
Ordinary Life (OL), Group Insurance (GI), Health Insurance ... Show more content on
Helpwriting.net ...
Ltd. established mainly through the initiative of a group of Bangladeshi professionals then working
abroad along with a few enthusiastic local entrepreneurs, started its operation in December, 1986
after the Government of Bangladesh allowed the private sector to operate in the insurance sector in
1984 to carry on the business of insurance in the Private Sector. A brief explanation as to the growth
of life insurance business in Bangladesh is in order here. Bangladesh declared independence from
the Pakistani rules on March 26, 1971 following which she had to witness a bloody liberation
struggle with the occupation forces lasting for 9 months before they were defeated. Insurance
business which was exclusively carried on in private sector before independence was nationalized
after liberation in 1972 primarily to address the emerging situation of eroding public confidence in
the industry that was left staggeringly short of resources in the face of huge losses caused by the war
of liberation. After a series of experimentation, a state–owned body, namely Jiban Bima Corporation
(JBC), established in May, 1973 for transacting the life insurance business, took over the assets and
liabilities under life portfolios of all erstwhile private insurance companies and started business in its
own name. However, things did not improve;

The Wage Gap Between Women And Men
Abstract This study takes a look at the wage gap between women and men. It has always been
known that men make more money than women. Many acts of legislation have been passed to
address the disparities. But as time has progressed this topic is not one that grasps the attention of
society. Society feels that there are other more important topics to focus on. The inequities amongst
men and women pay has been in effect from the early 1800s and continues on in the new
millennium despite, the gains women have made. And unfortunately the millennium women have
many challenges that still lie ahead. This study has shown the transition from the early 1800s up
until now and in the 21st century we are still dealing with inequities when it ... Show more content
on Helpwriting.net ...
A look at the history of pay inequality as it relates to women, the Equal Pay Act, and where women
stand today will be studied throughout this paper. It will take a historical and qualitative approach to
finding the needed information that will shed light on this wage gap. Hopefully the information
gained will show that even 4–four decades later, it is still a great concern to all, since a lot of the
large corporations worldwide are guilty of practicing this inequity, even today. Research Questions
A lot of attention is placed on the inequity of pay for men and women. But as time passes, the focus
of this issue has subdued. This situation still exists, even though more politicized issues seem to be
taking precedence. The wage gap is not only an issue of men and women but also of other races and
ethnicities. Why does this continue to be a problem? Do wage gaps make women dependent on
men? Even in the light of statistics that shows the disparities, why do society feeling it's a thing of
the past? Will there always be a double standard that women are primarily made to be homemakers?
Do we give up the fight to expect equal compensations? Will the new millennium women totally put
this inequity to rest? My paper will seek why the disparities and what the future holds. Statistical
Argument The gap in wages and earnings between men and women remains a problem in the work

Life Insurance Quotes
Title: How To Get The Most From Your Term Life Insurance Quotes
Meta: Buying life insurance can be time consuming and a bit frightening. Discover the best term life
insurance quotes and how to get the most for your money.
The best term life insurance quotes evaluate your current financial condition and match your goals
with the right coverage.
Research yields the best term life insurance quotes
Securing the best term life insurance quotes means understanding your choices. Surprisingly, there
more insurance options than you think. Which insurance do you need? Which Insurance do you
Need?
While health and life insurance cover different needs, both categories have permanent or long–term
and temporary or short–term options. Permanent or ... Show more content on Helpwriting.net ...
One type, convertible term life insurance, is attractive to young adults as policy holders start with a
term life insurance policy, then switch to permanent life insurance at a later date. If you pay your
term life insurance premiums on time and meet the policy's conditions, you won't need a new quote
to move to the permanent plan. In many cases, you can also skip a second health screening. Like
health insurance that grows as you add family members, a convertible term life insurance can
expand as you accumulate property. Another type of life insurance can help with

project report on life insurance corporation of india
MINOR PROJECT REPORT
MARKET POTENTIAL OF LIFE INSURANCE CORPORATION OF INDIA
SUBMITTED IN PARTIAL FULFILLMENT FOR THE
AWARD OF THE DEGREE OF
BACHELOR OF BUSINESS MANAGEMENT
(BBA) GURU GOBIND SINGH INDRAPRASTH UNIVERSITY, DELHI
SUBMITTED TO: SUBMITTED BY: Mr.Paramvir Kuhar Ashish Singh (FACULTY MSI) BBA
(Gen) Enrollment No. 02421201710
INTRODUCTION
INTRODUCTION
Insurance is a social ... Show more content on Helpwriting.net ...
with head offices at Calcutta, Bombay, New Delhi and Madras, respectively. General Insurance
Corporation (GIC) which was the holding company of the four public sector general insurance
companies has since been delinked from the later and has been approved as the "Indian Reinsurer"
since 3rd November 2000. The share capital of GIC and that of the four companies are held by the
Government of India. All the five entities are Government companies registered under the
Companies Act. The general insurance business has grown in spread and volume after
nationalisation. The four companies have 2699 branch offices, 1360 divisional offices and 92
regional offices spread all over the country. GIC and its subsidiaries have representation either
directly through branches or agencies in 16 countries and through associate! locally incorporated
subsidiary companies in 14 other countries. A wholly– owned subsidiary company of GIC, i.e.
Indian International Pvt. Ltd. is operating in Singapore and there is a joint venture company, viz.
Kenindia Assurance Ltd. in Kenya. A new wholly owned subsidiary called New India International
Ltd., UK has also been registered.
NEW INSURANCE SCHEMES
Universal Health Insurance Scheme
The Universal Health Insurance policy is available to groups of 100 or more families. The policy
provides for reimbursement of medical expenses upto Rs.30000/–

Fin 334 Week One Assignment 1
Week One Assignment 1 Sametta Rose– Pollydore FIN 334 April 9, 2016
Instructor McAndrew
Week One Assignment 1
A. Sonja fails to pay the second annual premium due on January 1. She dies 15 days later. When it
comes to the premium which is the ordinary life insurance, the beneficiary will receive the proceeds
of that policy because there is a grace period of 31 days to pay the overdue premium and by Sonja's
death occurring within that time frame of the grace period the beneficiary has the right to receive the
proceeds from ... Show more content on Helpwriting.net ...
She is uninsurable but would like to obtain additional life insurance. In this particular situation
Sonja has already attached the guaranteed purchase option to her ordinary life insurance so;
therefore she doesn't have to worry about not being insured. She also can obtain additional life
insurance because she will not need to show evidence of insurability. (Rejda, George, McNamara,
2014).
E. Sonja is seriously injured in an auto accident. After six months, she is still unable to return to
work. She has no income from her job, and the insurance premium payments are financially
burdensome. In this case Sonja has an ordinary life insurance with the waiver–of–premium attached
so after six months all premiums would be waived if Sonja is totally disabled. Under some policies,
a retroactive refund of the premium paid during the first six months would be paid. (Rejda, George,
McNamara, 2014).
F. Sonja has a mentally disabled son. She wants to make certain that her son will have a continuous
income after her death. In this particular situation I would say to have a Trust as well as a Will.
Having a Will can specifically state exactly what the decease last wishes were and by having a Trust
with someone assigned to the Trust or a guardian on the Will, will make everything crystal clear
with no hassles on what the last demands were. Another way is to use the fixed amount or fixed
period option which

Strengths And Weaknesses Of Life Insurance Corporation
According to Manchanda, S.M. (2005), the basic purpose of buying insurance should be to protect
the family from the loss of income due to an early death of the main income earner. The need to
cover the risk of death should be predominant among all needs. Privatization has offered the
customers the choice of selecting the quantum of death benefit as well as saving benefit. He has
emphasized the need to educate the customers about the different products which would suit their
special need.According to the author Venkateswara Rao (2005), the basic strength of Life Insurance
Corporation is its huge agency force. They are the lifeline of Life Insurance Corporation He has
observed that the productivity level of the agents varies from club to club ... Show more content on
Helpwriting.net ...
There is a need for identification of products exclusively for the rural folk coupled with a relaxation
in term of the size of the products, underwriting considerations etc. He has stated that there should
be a greater thrust as regards group insurance and pension–related products.
Kaushlendra Maurya (2005), has analyzed the role of technology in implementing the business
strategies in the vital business areas such as sales, distribution channel, customer service, product
development, and claims. The author is of the opinion that, the insurers are found committing to
invest more in technology to increase their process efficiency.
Krishna Kumar (2005), highlights Life Insurance Corporation's penetration in the rural market, the
problems encountered and the schemes offered for the rural poor. He has stated that there is
significant growth in the total premium income collected from rural areas. He has identified the
hurdles faced by the Life Insurance Corporation as poor general awareness, lack of proper
documents, inadequate market coverage, lapsing of policies and health care problems. However, he
has expressed hope that Life Insurance Corporation with its huge network

Eli Lilly And The Pharmaceutical Chemist Essay
Eli Lilly & Company (Lilly) was founding in 1876 by Colonel Eli Lilly in Indianapolis, Indiana. A
veteran of the United States Civil War and a pharmaceutical chemist by trade, Lilly set out to start a
company with three underlying goals. First manufacture high quality pharmaceutical products,
second medications would be dispensed by medical staff rather than through a mobile tradeshows
which was popular at the time, and finally, Lilly's medication would be developed using current
science data. In 1886, Lilly went on to hire a pharmaceutical chemist which led to Lilly's esteemed
research and development history that they are known for to this very day (Lilly, 2015). In fact,
some of the greatest advances in medication can be traced back to Lilly. Lilly's research and
development for insulin dates back to 1923 and continues to this day (Lilly, 2015). Lilly also had a
hand in mass producing Penicillin and the Polio Vaccine. According to the Eli Lilly & Company
Annual Report (2015), over 50% of the vaccine used to eradicate polio was Eli Lilly labeled.
Through research and development, Lilly's storied past continued with the development of some of
the most popular drugs to treat depression (Prozac), diabetes (Humulin), oral antibiotic (Ceclor),
schizophrenia (Zypexa), postmenopausal osteoporosis (Evista), and male erectile dysfunction
(Cialis) just to name a few. Through Lilly's core values– integrity, excellence, and respect for people
(Lilly, 2015) along

Consumer Behavior Is Important For Business Firm Development
Consumer behaviour is always a crucial part for business firm development. International firms
invest myriad of money to understand their customers, in order to satisfy the need and wants of
customers. For example, IKEA, the world's leading home furnishing company, spent a total of £30
million in 2012. It aims to improve the shopping experience for customers, including the bedroom
showroom redesign. It is crystal clear that consumer behaviour plays a vital part in the success or
failure of a product. Meanwhile, consumer behaviour is a process which consumers go through
when they make purchases and it involves numerous factors that influence their decisions. As a
consumer, we make decisions every day. Some are far–reaching while others may be trivial and
inconsequential. However, we all know that human beings are irrational, our preferences often
deviate from rationality in the standard economics. We often make the wrong decision and it may
bring unfavourable consequences along with negative side effects. There are countless reasons for
making irrational decisions. One of the most astonishing arguments I recently discovered is that
people feel the pain of loss more acutely than they feel the pleasure of gain. Why this happened ?
For instance, when we buy a sofa from IKEA, they often provide a 30 days money–back guarantee.
However, even if we noticed that the sofa has imperfections, we seldom go back and return. Why ?
It is because we consider returning the sofa as a loss. A

Risk Of Loss From Insurance Companies Essay
CHAPTER ONE
INTRODUCTION
1.1 Background of the study
In life, losses are sometimes unavoidable. People may become ill and lose income or savings to pay
off medical bills. Individuals or their relatives may die of illness or accidents. People's homes or
other property may suffer damage or theft. All these activities in the environment of man are subject
to the risk of loss from unforeseen events. To lessen this burden on humans, insurance companies
are formed and existed for decades with a common goal of pooling related risks and offering a
cushion to the unforeseen circumstances. To expand the coverage of life insurance products, life
insurance companies have recently begun offering complex policies with embedded options. Among
them is the participating policies with interest rate guarantees and surrender options. Bacinello
(2001), defined participating policy as a contract in which the policyholder is entitled to a share of
the excess profit if the realized interest rate during the insurance period is above the assumed
interest rate. The policy mechanism enables the insured to receive dividends (bonuses) in addition to
the assured payments implied by the guaranteed interest rate. Owing to the existence of the interest
rate guarantee, the policy has some features that resembles the European call options. This property
is included in most real–life life insurance contracts in Ghana. There are numerous ways in which
this profit–sharing is realized. The usual approach is to

Financial Statement Of The University Of Virginia
The financial statement of the University of Virginia divides the pension plan into diverse
categories. The categories are made up of the retirement plans, the Supplemented Retirement
Income plans, and the deferred compensation plans. The Employees of the University are considered
to be employees of the commonwealth. Considerably, the entire stable full–time ordered salaried
workers participate in a definite pension plan managed by the Virginia Retirement System (VRS).
Data regarding the plan are always availed at the statewide stage solely in the Commonwealth of
Virginia's Comprehensive Annual Financial Report (CAFR). The Commonwealth, and not the
University, has the full duty of contributing to the plan.
Significantly, the entire full–time faculty, particular managing staff, and the health care personnel
involve themselves in the Faculty Discretional Retirement Plans. These are set–contribution
strategies in which the retirement gains got are linked to the employer and employee aids (of which
most of them are paid by the University), and the dividends and interest. Personal contracts provided
the strategies for full–time faculty and given managing personnel provide for complete and instant
entrusting of both the participant's and University's contributions (Sigo, 2014). The health care
personnel's employer aids completely entrust after a single year of employment. Full pension costs
under the plans were about $36.3 million. Contributions to the Discretional Retirement

Eli Lilly And Company Analysis Essay
Eli Lilly and Company Introduction Eli Lilly & Company (Lilly) was founding in 1876 by Colonel
Eli Lilly in Indianapolis, Indiana. A veteran of the United States Civil War and a pharmaceutical
chemist by trade, Lilly set out to start a company with three underlying goals. First manufacture
high quality pharmaceutical products, second medications would be dispensed by medical staff
rather than through a mobile tradeshows which was popular at the time, and finally, Lilly's
medication would be developed using current science data. In 1886, Lilly went on to hire a
pharmaceutical chemist which led to Lilly's esteemed research and development history that they are
known for to this very day (Eli Lilly & Company, 2015). In fact, some of the greatest advances in
medication can be traced back to Lilly. Lilly's research and development for insulin dates back to
1923 and continues to this day (Eli Lilly & Company, 2015). Lilly also had a hand in mass
producing Penicillin and the Polio Vaccine. According to the Eli Lilly & Company Annual Report
(2015), over 50% of the vaccine used to eradicate polio was Eli Lilly labeled. Through research and
development, Lilly's storied past continued with the development of some of the most popular drugs
to treat depression (Prozac), diabetes (Humulin), oral antibiotic (Ceclor), schizophrenia (Zypexa),
postmenopausal osteoporosis (Evista), and male erectile dysfunction (Cialis) just to name a few.
Through Lilly's core values–

Eli Lilly And Company- Outline Essay
Eli Lilly and Company– Outline Eli Lilly & Company (Lilly) was founding in 1876 by Colonel Eli
Lilly in Indianapolis, Indiana. A veteran of the United States Civil War and a pharmaceutical
chemist by trade, Lilly set out to start a company with three underlying goals. First manufacture
high quality pharmaceutical products, second medications would be dispensed by medical staff
rather than through a mobile tradeshows which was popular at the time, and finally, Lilly's
medication would be developed using current science data. In 1886, Lilly went on to hire a
pharmaceutical chemist which led to Lilly's esteemed research and development history that they are
known for to this very day (Lilly, 2015). In fact, some of the greatest advances in medication can be
traced back to Lilly. Lilly's research and development for insulin dates back to 1923 and continues
to this day (Lilly, 2015). Lilly also had a hand in mass producing Penicillin and the Polio Vaccine.
According to the Eli Lilly & Company Annual Report (2015), over 50% of the vaccine used to
eradicate polio was Eli Lilly labeled. Through research and development, Lilly's storied past
continued with the development of some of the most popular drugs to treat depression (Prozac),
diabetes (Humulin), oral antibiotic (Ceclor), schizophrenia (Zypexa), postmenopausal osteoporosis
(Evista), and male erectile dysfunction (Cialis) just to name a few. Through Lilly's core values–
integrity, excellence, and

The Life Insurance Industry
Modern man tries to protect himself and his possessions against many risks like illness, accidents,
death, theft and liabilities. These interests can be protected in various ways:
(a) He can take preventative measures to limit loss such as wearing a safety belt while driving a
vehicle or installing smoke detectors in a factory; or
(b) He can save money and with time build up a private fund; or
(c) Co–operate with other legal subjects to collectively cover losses that have been incurred.
However, in the above three scenarios, protective measures are not adequate protection. The solution
to these problems is found in a formal insurance. Insurance regulation is a dynamic, ever–evolving
to achieve an appropriate balance between providing adequate consumer protection and allowing
them to gain maximum returns. Given that insurers and the products being offered change over time,
it is vital for the regulatory framework to keep pace with dynamics of the Life Insurance Industry.
This study explores areas where the life insurance industry has changed over time through different
product offerings, globalization, evolving technology, and changes in the economic environment of
Discovery Vitality Life. The study provides a framework to assist regulators in assessing which
changes have been successful, which need improvement, and what needs to be addressed in the
future.
INDUSTRY BACKGROUND
The South African life insurance industry has become the fastest growing and most dynamic

Aflac Case Analysis
AFLAC CASE ANALYSIS
Aflac is Fortune 500 insurance company founded which was founded in 1955 by three brothers,
Bill, Paul and John Amos. "Since its beginning Aflac has believed that the best way to succeed in
our business is to value people. Treating employees with care, dignity and fairness are founding
principles of Aflac" Today, Aflac employs more than 4,500 people and has more than 71,000
licensed independent agents throughout the United States and Japan according to the New York
Stock Exchange business summary. Its principal business is supplemental health and life insurance.
Aflac's insurance business sells cancer plans, care plans, medical/sickness riders, living benefit life
plans, general medical indemnity plans, and ordinary ... Show more content on Helpwriting.net ...
Such as leadership development programs with onsite courses. The instructor led classes host a
variety of subjects for employee seeking personal development as well as career. In addition to this
the company offers outdoor adventure days, on site fitness and child care services.
By achieving to provide these reward programs for its company employees it stay in line with two
of its guiding principles which is to supply quality service for their agents and provide an enriching
and rewarding workplace for their employees. These rewards are also used to attract better qualified
employees and to push employees to have a greater impact on their community. The needs of the
company's employees are a driving factor behind Aflac's total rewards programs. Aflac's total
rewards statements which was originally a one page document is now an in–depth review of the
value of the employment compensation and benefits. These are examples of non–traditional rewards
that are used by Aflac. Traditional rewards that Aflac uses is that the company has an "Volunteer of
the Month" where one of their employees goes and volunteers for a charity of their choice and they
get rewarded by the company they also offer bonus, wages, internal promotion, voluntary benefits
and paid leave.
Some recommendations of expansion of the benefits Aflac offers that would further align HR with
the accomplishment of their goals and values are Retirement programs which will further enhance
the desire for

Protection Regulatory And Development Authority
The protection division in India has finished a full circle from an open aggressive business to
nationalization and afterward back to changed open business. LIC of India has been the observer of
the whole change starting with one stage then onto the next. In 2000, when Insurance Regulatory
and Development Authority (IRDA) was situated up in India, 23 more private disaster protection
organizations entered till date into the Indian market other than one current open extra security
administrator LIC of India. The table incorporates the whole development
Table1: Total number of life insurance companies operating in India since 2000
Years Public Sector Private Sector Total
2001 1 10 11
2002 1 12 13
2003 1 12 13
2004 1 13 14
2005 1 14 15
2006 1 15 16
2007 1 17 18
2008 1 21 22
2009 1 22 23
2010 1 22 23
2011 1 23 24
2012 1 23 24
Source: Annual reports of IRDA 2000–2001 to 2011–2012
Protection Regulatory and Development Authority (I.R.D.A.) come into capacity on nineteenth
April, 1999 as a self–sufficient body in the life coverage area in India. The principle goal of IRDA is
to manage and register the life coverage organizations working in India. In January 2000, it
embraced three–pronged business techniques for business, which included diminishment in
premiums, higher returns and presentation of new items. It likewise tied up with ICICI Bank, HDFC
Bank, UTI Bank and Bank of Punjab to straightforwardly dispatch clients ' strategy premiums and
charge their recordsafter the exchange.

The Importance Of Technology And Technology
Technology has become a vital part of the insurance over the past decade in a plethora of ways,
ranging from mobility to Big Data, and even social media. We are in a new era and insurance
companies/agencies are being pushed to adapt, or face being pushed aside to those expanding with
society. By utilizing the technology and new ways, they are maximizing customer outreach and
satisfaction. The need for personal interaction is still a must, but slowly diminishing, yet there will
always be a need especially for the elderly generations. Mobility consists mostly of apps and cellular
devices. With the uses of these apps and devices, mobility is reshaping the entire industry by making
it more efficient, giving the consumer control directly from ... Show more content on
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By using Big Data, companies can take the past accidents and experiences that have occurred and
build a "model" to help predict what might likely happen in the future. These "models" that help
predict the future are built from the relationships between variables from the collected data. There
are many uses for the Big Data, but one very important use is for insurance premiums. Tying back to
efficiency, which is the most important vocabulary word of insurance, to be able to cover their risks
and make a profit at the same time companies must set their premium prices at the appropriate level;
exactly where the Big Data comes into play. It is even working its way into health and life insurance
with the establishment of the Apple Watch and Fitbit, because consumers can monitor and record
their activity and lifestyles. These recordings offer companies proof of healthy customers, therefore
gifting them with discounts. To market their products as efficiently as possible, and to grasp the
attention of newer generations, insurance companies are utilizing social media pushing their
profitability to the maximum level. They are branding themselves so that their potential customers
can differentiate between products, and so that they can hit the proper audiences. With the
adaptation to social media, companies can share

Women 's World Cup Final
With 26.7 million people tuning in to watch the 2015 Women's World Cup Final, it became the most
watched soccer match in United States history (Hinong). In fact, more Americans watched this game
than the NBA Finals or the Stanley Cup (Hinong). In the WNBA, television ratings and attendance
numbers were up (Berkman), and first game of the NWHL's inaugural season brought a crowd that
filled the venue to capacity, followed by a later game in a larger building where 1,231 fans came to
see Boston beat the Buffalo Beauts in a 4–1 victory, a turnout that exceeded the attendance to all but
two NCAA Division I game last season (Borzi). These statistics show just how popular Women's
sports are becoming especially in the United States, but why isn't ... Show more content on
Helpwriting.net ...
On the other hand, Dionte Christmas, who was employed by the NBA's Phoenix Suns around the
same time that Taurasi emerged as a rising star in the women's game, played a total of 198 minutes
(Berri). For his short time as a player for the Phoenix Suns, Christmas was paid the NBA league
minimum of $490,180 (Berri). In this case, Taurasi was not paid 21% less than Christmas, but rather
21% of his salary. And this wage gap would only multiply if Taurasi's salary were to be compared
with that of a star player in the NBA rather than one whose primary position is on the bench.
In the NWSL, a plethora of athletes are retiring, but it isn't because they can't keep up with the high
level of play in the league. Many of these retiring players are in their twenties, and at their athletic
peak or nearing it, but they are forced to retire because they can't support themselves, let alone their
families, with the unreasonably low wages they are being payed. The minimum salary of the NWSL
is $6,842, and considering how many hours these athletes put into ensuring that they are at the top of
their game, their salary averages out at about minimum wage (Kassouf). This is just over 10% of the
MLS's $60,000 minimum salary (Kassouf). Kate Deines, former midfielder for the Seattle Reign
retired from the NWSL last year at the age of 25 because of financial issues. After she announced
her retirement, Deines was quoted saying, "It's actually pathetic when I think about what we make,"

Personal Narrative: Veronica Arizona
"I think it's a left up that way past the exit," Drumming his fingers over his knee, Logan was about
to pray to any deity that was still listening to him for the next bar to be the place where Lianne Mars
was. Three days into taking Arizona by storm, Veronica's mouth had gone stiff with disappointment
and Logan's back was starting to cramp up from the lebaron. After hearing from the Neptune High
rumor mill that Lianne Mars had taken off, Logan remembered every quip he'd made to make things
harder on Veronica. While taking them back now isn't really an option, spending his days switching
off driving with her hardly seemed like apt penance when he was having so much fun.
Tracking Lianne's car's plates to the Phoenix area had been ... Show more content on
Helpwriting.net ...
"Mom, what are you talking about? Don't you want to come home? Don't you miss us?" When
Logan reached across the table and touched her hand, Veronica heard the little girl in her own voice.
"I just don't understand. Help me understand, why you left– what you're doing out here? What
you're doing meeting Jake Kane at the the Neptune Grand when you can't even come see your own
daughter or your own husband," Veronica fought to keep the accusation out of her voice, as Lianne's
hand slapped the lacquer of the bar's booth table, stunning the three of them into silence.
"How do you know about that, honey?" Voice gentle, but on the edge, Lianne reclaimed shattered
thoughts of things she didn't even want to say out–loud, let alone to her precious daughter." You
shouldn't... you were never supposed to be involved in any of this..." Lianne reached across the table
for her drink, but Logan withheld it, and instead, held it out to the bus boy who dumped it into his
tray and took the empty glass.
"Involved in what, Mom? Mom, just tell me what all of this is about," Feeling small again, Veronica
wasn't wired to regret things, to think of her decisions as mistakes, but looking at her mother.. At
their situation, and reevaluating her expectations, felt

The Pay Gap Between Women And Men
Keith Holmes Capstone Ms. Eason/Ms. Allen February 21, 2016 The Pay Gap between Women and
Men Imagine you are a women who works hard and does the same job as some of the men, now
imagine you all are explaining your paycheck and you see you that your check is less than theirs.
Although women work the same jobs as men they are not being treated like it. We live in an age
where women are not financially equal to the men work the same jobs. Because of this there are
struggling single mothers, and the mistreatment of hard working women. Over the years as the
amount of women working in businesses rises so does the level of inequality. As women, they do
not want to be counted shorter than a man who does the same work, to be sure they get the equal pay
they deserve we need to pass laws that grant companies to pay genders equally, strengthen the
protections guaranteed by the equal pay act of 1963, and pass paid sick days legislation. First we
need to identify why women are not being paid equally. Some will say that the reason women are
not being paid equally is because they take sick days off because of pregnancy. The fact that
companies do not consider pregnancy a disability is the reason during that time it is considered an
unpaid sick day. Studies show that 39% of mothers say they stayed home or taken mothers say they
have taken a lot of time from work and 42 5 of mothers reduced their hours. A quarter of women say
that quit their jobs in all for family responsibilities.

Essay on Assignment
Land trusts, also known as conservancies, are not–for–profit organizations dedicated to protecting
wildlife habitat and natural lands by acquiring ownership rights and transfer of development rights
(conservation easements) either thru donation or purchase. This series of Term Projects follows a
small land trust through the process of budgeting. Term Project I requires students to develop and
analyze an annual line–item budget and translate that budget, and additional information, into a
quarterly cash budget. Term Project II requires students to convert the line–item budget into a
functional budget. Further information is employed by students to create a flexible budget. Actual
numbers have been obscured while remaining true to the ... Show more content on Helpwriting.net
...
Some technical functions, such as legal review of conservation easements, annual audit, and some
routine accounting are contracted out. Members of the BOD, and other volunteers, continue to help
with membership, fundraising, stewardship, and new project evaluation.
The BOD is extremely concerned that the CWC be managed so that it is sustainable. The
commitments of land trusts are, by their very nature, long–term (actually perpetual). Therefore, the
CWC must ensure that their business plan and budget will ensure their long–term survival.
The Current Situation
The Executive Director is formulating an Operating Budget recommendation for the next year. He
has made a series of assumptions based on previous year performance and expectations about the
coming year. He is particularly concerned about increased energy costs and a likely recession that
may hold down contributions and foundation support. The CWC wants to budget for a 5% (of total
expense) surplus to provide protection against unforeseen events.
Your role is to prepare the budget for the following (next) year based on the assumptions adopted by
the Executive Director and the budget for the current year. You will also be asked to analyze the
results of those budget assumptions. Assumptions for NEXT budget year:
Revenue: Special events will increase by 20% due to a new event. Contributions will increase by
10% due to new membership drives. Grants will fall by 20% due to the

Summary of Harvard Management Company (2010)
Summary of Harvard Management Company (2010)
By: Satrio Abi and Yanuar Budi Baskoro
* Harvard Management Company Introduction:
Harvard Management Company is a company which built by Harvard University itself. That means
HMC is a wholly owned subsidiary of Harvard University. The company built for managing the
financial matter and development of the university. Because the company is wholly owned by
Harvard University, the Directors of HMC is directly choosen by President and Fellow of Harvard
College. The function of HMC is for managing University's financing especially endowment.
Endowment become the important income for HMC. The main job of HMC is to earn money for the
endowment. The management do some investment to get the ... Show more content on
Helpwriting.net ...
Making research is the main priority from Investment Manager in HMC. The benefits of this
strategy are getting long term result and focus, making an active and dynamic investment
management and creating strong team inside

Medical Examination : Premature Claim Essay
Premature claim
It is a premature claim if the death has occurred within two years from the commencement of the
policy or the date of last revival, or medical examination. The insurer takes certain precautions
before making payment under such a premature claim.
It wants to satisfy itself that it is a genuine case i.e., the correct policyholder has died and that the
cause of death does not go back to a date prior to the commencement of the policy. The duration of
last illness is of vital importance to eliminate any fraudulent intention. Last medical attendants'
certificate, hospital report, burial certificate, employees' leave record, if he was an employee in a
reputed firm etc, are the different records examined and normally a senior officer is deputed by the
insurer to make on the spot investigation, through neighbours, colleagues or doctor of the locality.
As the revival of the policy is a de novo contract of insurance, the insurer would like to verify
whether the statement contained in the declaration of good health given at the time of revival is
correct. If such a statement is proved fraudulent relating to a material fact, the claim, may be
rejected. Life insurance is a contract of utmost good faith and good faith has to be observed, not
only at the time of the proposal, but also at the time of the revival of the policy whenever it is done.
In case there is a rival claimant to the insurance money, the insurer can get a valid discharge by
paying to the nominee. The

Women’s New Role Essay
Women's New Role
In coming to understand what it meant to be a girl I was affected by my era, women's sports, and the
place that I was raised, as much as the independent feminist spirit that my mom was exposed to and
possessed. My mother's mom raised her to believe and accept the traditional female role. My
grandmother put emphasis on the women staying home and existing solely as a support system for
the man. She found comfort and security knowing that it was the man's burden to "bring home the
bacon." My mother, however; was influenced by the time and took it upon herself to take care of
herself and make her own money. At a young age she along with many other women of her time
wanted to rebel against the expected role and thus have ... Show more content on Helpwriting.net ...
With these independent values and the new women role models I had in sports, I learned to be
confident in the choices that I made and that I could make something with my life with my athletic
endeavors.
Growing up I was the first generation of girls to have women role models in sports. For the first time
I could watch a person of the same sex compete and succeed. In 1986 I was able to watch the US
Women's Soccer National Team take home the first gold metal in the sport of soccer. I watched these
women that had a dream to play and they made their respective dreams come true. In Mia Hamm's
book she talked about how the game of soccer to her was ultimate release and passion for her. Her
father allowed her to play with the boys and thought that this competitive spirit that his daughter
possessed was harmless and healthy (Mia 45). Little did he know that his daughter would start a
revolution that no man saw coming. These "tom boys" who thought that they were the only girls
playing sports opened up a whole new field of work, and broke through one of the toughest gender
stereotypes known to woman. Success in women's soccer, and even the development of the
professional league, along with new opportunities that arose with title 9,in which colleges were
forced to produce an equal number of scholarships for women have contributed to my committed
efforts to succeed and play at the highest level. Although, today I can see the result

The Lilly Kane Murder Trial Interest
She waits for Saturday before she stalks Aaron Echolls again. Digging up his credit history, fine, she
could do that between classes. Phone logs were a little sketchier, apparently Mr. Echolls had up to
three cell phones, she would have to talk to Logan about that. And internet info... She was put off
enough by the number of times people in that house Google–d themselves, she didn't have time to
stomach the porn. The Lilly Kane murder trial interest was morbid, but she figured she could relate.
Going back months, there were searches about Lilly. She might talk to Logan about that, too.
She makes sure her outfit is just this side of slutty, and when paparazzis ebb their way off the
Echolls' set trailer, Veronica knocks, ready to ... Show more content on Helpwriting.net ...
He talks, all the wisdom and false modesty of a man trying to impress, and she jots his answers on
her notepad so she doesn't have to reveal the recorder in her bag. It's not like she expects him to tell
her he's dating a sixteen year old, who's also been dating his son, but she likes to have the audio, just
in case. Her eyes spot two wine glasses that tell him he probably had company this morning or was
expecting company later, and she tucks that into her memory.
"Can I use your bathroom?" She interrupts cheerily, and he obliges, even as she's calling him stupid
in her head.
His trailer bathroom has a stash of barely–concealed pill bottles she snaps pictures of with the water
running, and the showers wet, which could mean nothing at all. She catches her own eyes in the
bathroom mirror, noticing her eyebrows are getting a little wild–child, and thinks about how Lilly
would've teased her into tweezing, and just smoothes them. When she's sure she has everything
Aaron's willing to give her, she excuses herself out, getting his phone number for any follow ups.
Curiosity piqued, before she's even back to the LeBaron she's trying to calculate which number he's
given her.
Stopping home to change, prep school cleavage won't be necessary for at least the rest

Economic Order Supply Driven Structure Essay
economic order supply–driven structure was replaced by the demand–driven market structure
through liberalization and entry of private sector players.
3.4.3 INSURANCE REGULATORY ACT (1999)
The Malhotra Committee Report set the tone of change in the Indian insurance sector and
deregulation followed subsequently. Indian cabinet approved the Insurance Regulatory Authority
(IRA) Bill on 6 March 1999 which was aimed at liberalizing Indian life and general insurance
industry. However, due to political instability the bill could not be ratified by the Indian parliament.
The bill was subsequently termed as IRDAAct and passed in the Parliament on 7 December 1999.
With the passing of the bill the monopoly position of LIC was removed and private companies were
allowed to operate in the Indian insurance market. After the IRDA bill was passed in the Parliament,
private insurance companies were given licenses to operate in the Indian market. Joint ventures
between Indian and foreign companies were allowed but FDI was limited to 26 per cent of Rs 100
crore capitals of life companies and Rs 200 crore for non–life companies. Indian insurance market
witnessed a silent revolution with the IRDA in place. IRDA, in the light of with its Mission
Statement came out with several guidelines/circulars/orders in the interest of healthy growth of the
Indian insurance industry, protection of consumers' interest and orderly management of insurance
companies. Mission Statement of IRDA.
In its Annual

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