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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.
Term Policies
Term life insurance is guaranteed. The premium is set at issue and clearly stated right in the policy. An annual renewable term policy has a premium that goes up every year. A level term policy has an initially higher premium that does not change for a set period, usually 10, 20 or 30 years, and then becomes annual renewable term with a premium based on your attained age.

After the second democratic movement of 2006, the Prime Minister of Nepal is the ceremonial chief, the Chancellor of the University, whereas the Minister of Education is the Pro-Chancellor. The Vice Chancellor is the Chief Executive of the university. He is assisted by the Rector in academic programmes and the Registrar in financial management and general administration.

Tribhuvan University is a non-profit making autonomous institution funded by the Government of Nepal. On January 8, 2013, the government of Nepal has principally agreed to declare Tribhuvan University as the Central University.
Main objectives of TU
The university was established with the following objectives:
To prepare capable human resources required for the overall development of Nepal
To impart standard higher education
To protect and develop national culture and tradition
To involve in extensive, empirical and timely creation of knowledge and research in the fields of arts, science, technology and vocation
TU Senate
It is the supreme decision-making body on policies, budget, and rules and regulations for running the university. It consists of 52 members.
Councils of TU
There are 4 councils constituted as major decision-making bodies of the university.

Executive Council
Executing the decisions of the University Assembly, making decisions on grants, giving affiliation to private campuses, and appointing the university officials are its major functions. It consists of 7 members.
Academic Council

The academic council makes decisions on educational policies and practices regarding curricula, teaching, examinations and research and comprises of 50 members.
Research Coordination Council

It formulates policies on TU research activities, approves guidelines for researchers and coordinates the functions of university level research organizations. The Research Division is the secretariat of the council. The council consist of 27 members.
Planning Council
The planning council performs an advisory role of preparing short and long-term plans, developing annual programmes and evaluating implementation programmes. It consists of 29 members.

INSURANCE AND EDUCATION
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