\’With Profit and Without Profit Plans in Life Insurance\’ (70 Words)

Plan of life insurance can be \’with\’ or \’without\’ profit. An insurance policy can be \’with\’ or \’without\’ profit. In the former, bonuses disclosed, if any, after periodical valuations are allotted to the policy and are payable along with the contracted amount.

In \’without\’ profit plan the contracted amount is paid without any addition. The premium rate charged for a \’with\’ profit policy is therefore higher than for a \’without\’ profit policy. 

 

\’With Profit and Without Profit Plans in Life Insurance\’ (70 Words)

Plan of life insurance can be \’with\’ or \’without\’ profit. An insurance policy can be \’with\’ or \’without\’ profit. In the former, bonuses disclosed, if any, after periodical valuations are allotted to the policy and are payable along with the contracted amount.

In \’without\’ profit plan the contracted amount is paid without any addition. The premium rate charged for a \’with\’ profit policy is therefore higher than for a \’without\’ profit policy. 

 

Short Essay on \’Gurpurab\’ (200 Words)

\’Gurpurab\’ is also known as Guru Nanak Jayanti. It is one of the biggest festivals of Sikhs. The birthday of Guru Nanak Dev is celebrated as Gurpurab. Gurpurab is celebrated in the month of Kartik on the day of full moon known as Kartik Purnima.

Guru Nanak was the founder of the Sikh religion. He was the first Sikh Guru. Guru Nanak Dev Ji was born on 15th April 1469 in Rai-Bhoi-di Talwandi in the present Shekhupura District of Pakistan, which is now known as Nankana Sahib.

On Gurpurab, Sikhs wear new clothes and go to the Gurudwaras. The morning of Gurpurab starts with Prabhat Feris in the Gurudwara followed by processions in localities singing hymns. Sikhs offer their prayers and pay homage to the Guru Granth Sahib. On this day, the holy book of Sikhs, the Guru Granth Sahib is continuously read and recited in the Gurudwaras. Lamps are lit, processions are taken out, free langars (meals) are arranged and a sweet prasad is distributed all over the country. The Nanakpanti Hindus and the other followers of Guru Nanak’s philosophy apart from the Sikhs also observe this sacred festival. 

Short Essay on \’Gurpurab\’ (200 Words)

\’Gurpurab\’ is also known as Guru Nanak Jayanti. It is one of the biggest festivals of Sikhs. The birthday of Guru Nanak Dev is celebrated as Gurpurab. Gurpurab is celebrated in the month of Kartik on the day of full moon known as Kartik Purnima.

Guru Nanak was the founder of the Sikh religion. He was the first Sikh Guru. Guru Nanak Dev Ji was born on 15th April 1469 in Rai-Bhoi-di Talwandi in the present Shekhupura District of Pakistan, which is now known as Nankana Sahib.

On Gurpurab, Sikhs wear new clothes and go to the Gurudwaras. The morning of Gurpurab starts with Prabhat Feris in the Gurudwara followed by processions in localities singing hymns. Sikhs offer their prayers and pay homage to the Guru Granth Sahib. On this day, the holy book of Sikhs, the Guru Granth Sahib is continuously read and recited in the Gurudwaras. Lamps are lit, processions are taken out, free langars (meals) are arranged and a sweet prasad is distributed all over the country. The Nanakpanti Hindus and the other followers of Guru Nanak’s philosophy apart from the Sikhs also observe this sacred festival. 

Short Essay on \’Gurpurab\’ (200 Words)

\’Gurpurab\’ is also known as Guru Nanak Jayanti. It is one of the biggest festivals of Sikhs. The birthday of Guru Nanak Dev is celebrated as Gurpurab. Gurpurab is celebrated in the month of Kartik on the day of full moon known as Kartik Purnima.

Guru Nanak was the founder of the Sikh religion. He was the first Sikh Guru. Guru Nanak Dev Ji was born on 15th April 1469 in Rai-Bhoi-di Talwandi in the present Shekhupura District of Pakistan, which is now known as Nankana Sahib.

On Gurpurab, Sikhs wear new clothes and go to the Gurudwaras. The morning of Gurpurab starts with Prabhat Feris in the Gurudwara followed by processions in localities singing hymns. Sikhs offer their prayers and pay homage to the Guru Granth Sahib. On this day, the holy book of Sikhs, the Guru Granth Sahib is continuously read and recited in the Gurudwaras. Lamps are lit, processions are taken out, free langars (meals) are arranged and a sweet prasad is distributed all over the country. The Nanakpanti Hindus and the other followers of Guru Nanak’s philosophy apart from the Sikhs also observe this sacred festival. 

\’LIC Claims Review Committee\’ (150 Words)

The Life Insurance Corporation of India settles a large number of Death Claims every year. Only in case of fraudulent suppression of material information is the liability repudiated. This is to ensure that claims are not paid to fraudulent persons at the cost of honest policyholders.

The number of Death Claims repudiated is, however, very small. Even in these cases, an opportunity is given to the claimant to make a representation for consideration by the Review Committees of the Zonal office and the Central Office. As a result of such review, depending on the merits of each case, appropriate decisions are taken.

The Claims Review Committees of the Central and Zonal Offices have among their Members, a retired High Court/ District Court Judge. This has helped providing transparency and confidence in Corporation operations and has resulted in greater satisfaction among claimants, policyholders and public. 

\’LIC Claims Review Committee\’ (150 Words)

The Life Insurance Corporation of India settles a large number of Death Claims every year. Only in case of fraudulent suppression of material information is the liability repudiated. This is to ensure that claims are not paid to fraudulent persons at the cost of honest policyholders.

The number of Death Claims repudiated is, however, very small. Even in these cases, an opportunity is given to the claimant to make a representation for consideration by the Review Committees of the Zonal office and the Central Office. As a result of such review, depending on the merits of each case, appropriate decisions are taken.

The Claims Review Committees of the Central and Zonal Offices have among their Members, a retired High Court/ District Court Judge. This has helped providing transparency and confidence in Corporation operations and has resulted in greater satisfaction among claimants, policyholders and public. 

\’LIC Claims Review Committee\’ (150 Words)

The Life Insurance Corporation of India settles a large number of Death Claims every year. Only in case of fraudulent suppression of material information is the liability repudiated. This is to ensure that claims are not paid to fraudulent persons at the cost of honest policyholders.

The number of Death Claims repudiated is, however, very small. Even in these cases, an opportunity is given to the claimant to make a representation for consideration by the Review Committees of the Zonal office and the Central Office. As a result of such review, depending on the merits of each case, appropriate decisions are taken.

The Claims Review Committees of the Central and Zonal Offices have among their Members, a retired High Court/ District Court Judge. This has helped providing transparency and confidence in Corporation operations and has resulted in greater satisfaction among claimants, policyholders and public. 

Narendra Modi’s Man vs Wild: Emphasize Ecology and Enhance Tourism―Share if You Care!

Presently I am authoring a book titled, Spiritual Tourism: Tourists First, Tour Operators Second, And Destinations Third. When I was looking for the content on promotion of tourism and adventure travel, India’s honorable Prime Minister, Mr. Narendra Modi’s inspiring epic adventure flashed in my mind. I viewed his Man vs Wild episode with Bear Grylls, a British adventurer, with great interest and included in my book.
Leadership Lessons from Narendra Modi
Narendra Modi maintained cool composure throughout his adventure travel. He demonstrated that adventure tourism is for brave-hearted, not fainthearted. There are several leadership lessons you can learn from him from this episode. Be courageous. Lead by example. Connect with common people. Inspire other leaders to lead from the front.
I was inspired by his humble origins and the struggles he underwent in his initial days. He never aspired to become the Prime Minister of India. His service and commitment to serve people and destiny made him India’s Prime Minister. He shared several unknown personal stories during his adventure travel. He unveiled that he had supported his father in the tea stall, sold tea in the railway platforms and left for the Himalayas in his younger days.
For Narendra Modi, leadership is all about service. He did not take a vacation for the last 18 years and it was the first time he took the vacation it was considered so. However, his epic adventure cannot be considered a vacation because it is another endeavor to send a message to the world about the importance of ecology. He took it as an opportunity to highlight India’s cultural richness and greatness by highlighting the principle of Sarve Jana Sukhino Bhavantu (let everyone be happy) and India’s core philosophy of Vasudhaiva Kutumbakam (the world is one family).
Narendra Modi made an epic adventure in his lifetime with Bear Grylls. He led by example with courage and inspired everyone across in the world especially Indians and millennials to care for the environment and ensure ecology to pass on to their next generations. To conclude, let us emphasize ecology and enhance tourism.

“You can succeed in the B1/B2 visa interview, if you know why you are going, where you are going, where you will be staying, and when you will be returning to your home country.” —Professor M.S. Rao

“You can succeed in the B1/B2 visa interview, if you know why you are going, where you are going, where you will be staying, and when you will be returning to your home country.” —Professor M.S. Rao
Vision 2030: One Million Global Leaders

Integrating Technology for active lifelong learning – Seminars

This weekend I have been attending some of the presentations at the Integrating Technology for Active Life-long Learning Connecting Online 2010
Feb 5-7
.

It is an annual live online conference of interest to educators, administrators, students, and community members who value the importance of integrating technology into the curriculum to improve instruction and learning. The Conference was conducted on the IT4ALL Moodle site and using WiZiQ.

First of all I attended the excellent presentation Sarah Stewart gave about: Working out the difference between online teaching and facilitation. This provoked a lot of thoughtful discussion.

For example an excerpt from a post I made on the Discussion Forum: \”You cannot come in and assess at the end of the course as a so-called objective independent marker unless there are strict and standardised criteria. This then means that professional judgement cannot be used. This is not ideal in any situation. Why should a student\’s understanding and assessment be weighted on one final piece of work? Exams work like this and they do not encourage holistic learning.

The idea of developing a partnership is great but if the teacher steps back and takes time to learn from the students and listens and gets to know them and interacts without always having to be the expert – the same thing can be achieved without separating facilitation/teaching/assessment. What do people think?\”

Helen Barrett spoke about: Social networks and interactive portfolios: Blurring the boundaries. (recording to come soon.) The idea of integrating social networking into the eportfolio was presented and is based on Helen\’s most recent article: Online Personal Learning Environments: Structuring Electronic Portfolios for Lifelong and Life Wide Learning

Also the idea of what motivates us. Dan Pink\’s book – Drive – covers motivation – autonomy, mastery and purpose. I will be interested to see if values are mentioned as an important part of intrinsic motivation. It is fun to master something you are curious about and have passion about it and this will be more of a driver than anything. More on this topic later…off to track down the book. There was a question about how the big picture purpose of portfolios could motivate. What are the mastery elements in social networking – mastering skills, showcasing achievements, flow of learning, increasing self-awareness and self-understanding. Apparently the key is that all of us want to be part of something bigger than ourselves? So if the portfolio can be seen to have a lifelong purpose it could motivate.

What got me all excited is the concept that \”reflection is the heart and soul of a portfolio\” – my sentiments exactly. And the comment that most documents start their life in electronic format so my question is why print them off and bind them in a hard copy portfolio?

Short Essay on \’Influence of Advertisement in Our Lives\’ (160 Words)

Advertisements are essential for starting a new business. Promoting sales is the main motive of a large enterprise. Advertisements rule every aspect of our lives and provide a link between an individual and the world.

Advertising, by the definition, is a paid form of non-personal communication to promote the goods and services. It simplifies the choice of consumers by creating an awareness among people about several brands and products available in the market. As advertisements help in business expansion, the companies spend crores or millions on them.

Advertisements are contained in various means of communication such as magazines, newspapers, television, radio, bill boards etc. Attractive pictures, slogans, taglines etc shown in the advertisements lure customers, thereby pushing up sales.

Advertisements are popularized by the government for betterment of the society in the field of education, providing better facilities, housing facilities for poor, medical facilities like polio drops and other vaccines etc. So, we can conclude by saying that advertisements greatly influence our lives. 

Short Essay on \’Influence of Advertisement in Our Lives\’ (160 Words)

Advertisements are essential for starting a new business. Promoting sales is the main motive of a large enterprise. Advertisements rule every aspect of our lives and provide a link between an individual and the world.

Advertising, by the definition, is a paid form of non-personal communication to promote the goods and services. It simplifies the choice of consumers by creating an awareness among people about several brands and products available in the market. As advertisements help in business expansion, the companies spend crores or millions on them.

Advertisements are contained in various means of communication such as magazines, newspapers, television, radio, bill boards etc. Attractive pictures, slogans, taglines etc shown in the advertisements lure customers, thereby pushing up sales.

Advertisements are popularized by the government for betterment of the society in the field of education, providing better facilities, housing facilities for poor, medical facilities like polio drops and other vaccines etc. So, we can conclude by saying that advertisements greatly influence our lives. 

\’Letter for Change of Fund Type in LIC Unit Linked Insurance Plan (ULIP)\’

To.
The Sr. Branch Manager.
City –Branch Office,
L.I.C. of India,
Lucknow

Sir,

Sub.: Change of Fund Type – From Growth to Bond Fund
Ref.: Policy Number –XXXXXXXXX

The applicant is the policyholder of above numbered policy of your branch.

The applicant wants to change the type of fund of above policy from Growth Fund to Bond Fund.

Therefore it is requested that the fund type of above policy be changed from Growth to Bond Fund.

Thanks.

Lucknow                                                                                                  Yours’ Sincerely,
Dt.: 12.02.2014                                                                                                 XXX

\’Letter for Change of Fund Type in LIC Unit Linked Insurance Plan (ULIP)\’

To.
The Sr. Branch Manager.
City –Branch Office,
L.I.C. of India,
Lucknow

Sir,

Sub.: Change of Fund Type – From Growth to Bond Fund
Ref.: Policy Number –XXXXXXXXX

The applicant is the policyholder of above numbered policy of your branch.

The applicant wants to change the type of fund of above policy from Growth Fund to Bond Fund.

Therefore it is requested that the fund type of above policy be changed from Growth to Bond Fund.

Thanks.

Lucknow                                                                                                  Yours’ Sincerely,
Dt.: 12.02.2014                                                                                                 XXX