भिडियो हेर्न तल को वक्स मा क्लिक गर्नुहोस
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Every people have their own dreams and they are chasing their dreams each and every day.
Earning money and having happy life is everyone’s dream and for that people are ready to do whatever. In front of money for some people everything seems blur and nothing counts. Here is the short film presented by Yog Films on their official YouTube channel.
This film is such a touching and happening incident in our society. Females are married in their young age or by the force of their family, even someone marries in rush and they be happy at first and later the same relation starts itching. Here the girl is married to a man and she had one child as well and she left her entire relation for her colorful world where there was only money and entertainment. She used to spend her time with others but one sudden day she miss her family whom she left behind.
There is was written letter of her husband where he told that even if she moved on he never did and no one can conquer her place and he will be giving the good life to daughter and this all things brought tears on her eyes. There was regrets inside her heart that came out on her tears.
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.
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