Provision of Nomination in Life insurance is related to Section 39 of the Insurance Act. According to the above Section, Nomination is a such a right given to Life insured by whom he may nominate any person in his life insurance policy. Nominee will have the right to claim the Sum Insured, if the the death of Life insured occurs during the policy term.
When the policy money becomes due for payment on the death of the policyholder, it can be paid only to the person who is legally entitled to give a valid discharge to the Corporation. For quick settlement of claims, it is in the interests of the policyholders to effect a nomination in respect of their policy.
At present loans are granted on unencumbered policies up to 90 percent of the Surrender Value under policies which are in force for the full sum assured and up to 85 percent of the Surrender Value on policies which are paid- up for a reduced sum assured. The minimum amount for which a loan can now be granted under a policy is Rs. 1000/-. The rate of interest charged at present varies from 9 percent to 12 percent per annum payable half- yearly depending upon the type of plan. The terms and conditions printed on the policy bond reveal whether a particular policy is eligible for a loan.
Loans:
Loans are granted on policies to the extent of 90% of Surrender Value of the policies which are in force.
Loans are granted on policies to the extent of 85% of the Surrender Value in case of policies which are paid-up, inclusive of the cash value of bonus.
The rate of interest charged at present is 9% p.a. payable half-yearly.
Loans are not granted for a period shorter than six months.
The Conditions and Privileges printed on the back of the Policy Bond states whether a particular policy is with or without the loan facility.
Snakes are beautiful animals, and nothing compares to their graceful, lithe movements or the feel of their smooth, dry scales. Snakes as pets have a number of advantages over other more popular animals.
Snakes don\’t have fur, hence they make great pets for animal enthusiasts who are allergic to animal fur. Many snakes only need to be fed once or twice a month, making them low-maintenance pets. They are quiet and thus a real blessing for anyone living in an apartment. Also, they don\’t require outdoor excursions.
Snakes require specific living conditions and food in order to thrive. Any simple wooden box will do to house a pet snake. Snakes do not need much room. It should be big enough to slither around in.
Snakes shed their skin approximately every 3 months, during this time, snake may need extra water in its water bowl to soak in. When a snake gets ill, it\’s usually best to turn it loose.
\’Jagdish Chandra Bose\’ was born on 30 November 1858 in Bengal, India (Now in Bangla Desh). His father, Bhagawan Chandra Bose was a leader of the Brahmo Samaj. Jagdish Chandra Bose was raised in a home committed to pure Indian traditions and culture.
Jagdish Chandra Bose attended Cambridge University after studying physics at Calcutta University. He returned to India in 1884 after completing a B.Sc. degree from Cambridge University. He made many discoveries in biology and physics. He showed that plants have feelings. He found that metals get \’tired\’ after some time. He invented a machine to measure the growth of plants.
Jagadish Chandra Bose is one of the most prominent first Indian scientists who proved by experimentation that both animals and plants share much in common. He authored two illustrious books, ‘Response in the Living and Non-living’ and ‘The Nervous Mechanism of Plants’. He set up the Bose Institute at Calcutta. He was honoured with many notable awards for his great work.
Jagdish Chandra Bose passed away on 23 November 1937 at the age of 78.
Full name of \’A.J. Cronin\’ was Archibald Joseph Cronin. A.J. Cronin was born on 19 July 1896 in Cardross, Scotland. He was a great physician and a writer from scotland.
A.J. Cronin wrote several novels and short stories. His works are renowned for their memorable characters and powerful portrayal of the injustices in the society. His best-known novel was \’The Citadel\’. A.J. Cronin was passed away on 6 January 1981 at the age of 84.
Full name of \’Salim Ali\’ was Salim Moizuddin Abdul Ali. He was born on 12 November 1896 in Mumbai, India. His father\’s name was Moizuddin and his mother\’s name was Zeenat-un-nissa. His parents died in the very early age of Salim Ali.
Salim Ali was a famous ornithologist and naturalist of India. He is known as the \’Bird Man of India\’ because he was an expert on Indian Birds. He studied the habits and lifestyles of Indian birds all his life. Salim Ali has written books on the birds of India. For his great work he was awarded the Padm Bhushan and Padma Vibhushan by the Government of India.
Salim Ali was passed away on 20 June 1987 at the age of 90.
Apart from the great pleasure the cinema gives us a means of entertainment, it is in many ways an education in itself.
The film companies from time to time produce historical pictures and these pictures are of great assistance to the teacher of history. A couple of hours spent in the company of historical personage, dressed in the proper dress of the period, can teach us far more than we can learn from a whole week\’s reading of a history book.
Some of the educational film companies devote their time to the filming of the habits and customs of animals, insects, fish, germs and many other branches of scientific life. Such pictures are quite interesting and are a great help in the cause of education.
\’Newspaper\’, as we know, is an essential part of our life. For a newspaper reader, it is the first and foremost thing that he would like to have early in the morning. It connects us with every field and every part of the world. Be it politics, entertainment, sports, films etc.
Newspaper provides information about the burning topics from all over world and keeps us well informed. Though news is also displayed on television and radio, there we don\’t have an option to choose. It results in wastage of time, as the news is repeated over and over again and is followed by a number of advertisements.
Apart from the information newspaper provides, it can be useful in a number of ways. The puzzles given in it develop the thinking ability. The job vacancies column help the people. A regular reader can improve his knowledge of language in which language he reads the newspaper. Newspaper also tells us about the different policies introduced by the Government and makes us aware about everything happening around us.
We can conclude by saying that the newspaper broadens our outlook and is an enormous source of information. Therefore one must develop the habit of reading newspaper everyday.
On August 25, 2016, the National Park Service (NPS) turns 100. After a century of shepherding America\’s splendor, the Park Service and its personnel will rightfully be feted as dedicated, humble stewards of our country\’s most precious landscapes.
Personally, we have been lucky enough to visit many of the nation\’s 59 parks on all points of the compass. Each site has never failed to live up to its consecration as a place of American rarity, pride, and beauty. From the unspoiled trails to the popular overlooks, every curated destination within the wilderness is a testament to the work and vision of the Parks Service.
This august anniversary introduces many opportunities to weave the Parks into authentic classroom lessons. For example, the \”Every Kid In A Park\” initiative seeks to connect our nation\’s youth to its most treasured spaces. Additionally, a wide range of visualizations now provide easy ways to incorporate the centennial into state standards and skill-based curricula. At their least, these videos and graphics offer terrific kick-offs to a morning\’s discussion. At their best, these charts and illustrations support critical student proficiencies. They also bring to life the gorgeous panoply of natural wonder that would make any Disney confection blush.
To start, the \”Find Your Park\” website gathers videos and social media interactions of everyday first-person testimonials about the grandeur of America\’s vistas. As a companion, the NPS has opened its Geographic Information Systems (GIS) data to the public, for educators and graphic artists to tap in building models of terrains and visitations.
Some of the best renderings of the National Parks come from the Works Project Administration during the 1930s New Deal. These art deco posters from the Federal Arts Project capture the majesty of the otherworldly settings in colorful and appealing travel enticements. National Geographic has assembled a nice collection of these posters from the Library Of Congress.
In a video homage, the outdoor outfitter O.A.R.S. has put together a stunning tribute to the Parks, told through the stirring words of Theodore Roosevelt. As befitting its founder, the NPS takes seriously its safeguarding of America\’s geology. It invites students of energy, minerals, and paleontology to explore the singular contours and cliffs through open online access and badging of restoration and geoscience. These resources are terrific for earth science and environmentally minded teachers to investigate with their students.
In math and statistics, the minds at FiveThirtyEight (who usually spend their time worrying about political polls and baseball ERAs) have analyzed the popularity of each park. They crafted crisp graphs and charts for STEM educators to draw from in ranking the visitors to each venerated location. As they note, \”the U.S. national parks have never been so popular,\” and the Great Smoky Mountains continues its reign as the most-visited National Park, due to its location and exquisiteness.
In probing the specifics beneath the Great Smoky Mountains\’ charm, researcher John Farrell raked the Instagram API to determine where in the Park photographs were most frequently snapped. His visualization layers social media atop traditional coordinate geography to present a new picture of the Park\’s usage. He includes similar map mash-ups for other coast-to-coast sites.
For its part, the NPS has put together its own retro advertisement, in the classic style of antique movie reels or 1950s television ads. This wry film is a perfect nod to the 100-year heritage of the organization. It also displays a warm embrace of every citizen who passes through the Parks\’ gates.
In order to help navigate the Parks, the Sierra Club has designed a System Map based on the urban subway template. This seemingly humorous rendering actually gives travelers a valuable guide in planning their vacations and in connecting the dots between regional marvels.
Finally, the purest representations of America\’s National Parks have always come from the minds of the country\’s painters. Beginning with the light portraits of Thomas Moran, many artists have sought to capture the glory of glaciers and geysers. Most recently, David Hockney scratched a series of brilliant sweeps on his iPad in his \”Yosemite Suite.\” These personal, stylized views prove to any viewer that the nation\’s Parks are love letters to its wilderness. They are the last vestige against urbanity and a hallmark of global distinction.
There is an old saying, \”Where there is a will there is a way.\” By this saying we mean that if we really want to do something we can do it. Sometimes the task that we are given may be difficult but with the power of our will we can confront all the difficulties.
History is full of evidences where people have achieved a lot by there will and determination. Columbus could discover America only because he stood firm against all the storms of difficulties. Great conqueror like Napoleon or Hitler were all men of determination whose will power helped them in facing the troubled times. Even we can achieve our goals and face the difficulties if we are determined.
Electricity is a controllable and convenient form of energy, a phenomenon that is the result of the existence of electrical charge. Electricity is expressed by the amount of charge flowing through a particular area in unit time. It is the energy that is linked with magnetism. It is generated in power stations and sent across the country along with cables carried on towers called pylons.
Electricity is a necessity to modern civilization. It has invaded our lives and become vital in all aspects to our society. It is a medium for the transmission of signals in computers, cell phones etc. In industry, manufacturing relies on electricity to drive virtually all moving parts and can be converted into light, heat and magnetism. Scientific inventions like portable batteries and memory sticks have made the world worth living. Diseases are cured by electric treatment. The electric printing press has given us newspapers, magazines and books bringing light not only to our homes but also to our heads.
In order to ensure safety in and out of our homes, be sure to turn off the lights and unplug all electrical appliances like TV, computers etc because they have stand by functions that consume electricity even when turned off. Be careful not to leave electrical cords where people might step on them. Be away from areas marked with signs that read \”Danger: High Voltage.\” Avoid excessive illumination and never use water to put out an electrical fire, never climb utility poles and fences around electrical plants. Always put away electrical appliances and power tools immediately after use.
The Atmosphere is a transparent envelope of gases and suspended particles that surround the Earth. Without Chemical processes involving several of the atmospheric gases, life could not exist. Even the physical processes that operate in the atmosphere are of vital importance because they are responsible for the Earth\’s varied climates. The Atmosphere is composed almost entirely of Oxygen and Nitrogen.
The Atmosphere is the source of every living thing in the world. It plays a very important role in serving the world\’s needs. It provides ventilation to the Earth, as the atmosphere filters the ultraviolet rays, coming from the Sun. Thus, it acts as the Earth\’s protective armour without which all living things in the world would die. The ozone layer is a matter of tremendous concern as it profoundly influences the environmental conditions on the planets surface. The Atmosphere provides the air we breathe, the food we eat, the water we drink and above all it supports LIFE.
Atmosphere is very imperative to sustain life on Earth. To protect the atmosphere it is possible and simple, avoid polluting the air and water basically. Fight global warming by planting more trees and keeping your surrounding clean. You can reduce fuel consumption by using energy efficient appliances. We can preserve the atmosphere by practicing and encouraging good hygiene, reducing green house gases and emissions that are going into the air. Thus there are several solutions and ways that we can practice to protect the Earth\’s atmosphere. Effort is the key in life to your success.
Books are the store of knowledge and wisdom. They contain variety of pleasures. Reading books makes our mind strong and broaden our outlook. Reading of books gives us a great pleasure. They are the best friends of man.
Through books we come to know our civilization.Through books we come into contact with great scholars, poets and philosophers. Books never misguide us. They help us in building our character. By reading books our sadness is removed. If we are on a long journey, books give us a good company. Everyone, therefore, should develop the habit of reading books.
Snakes are beautiful animals, and nothing compares to their graceful, lithe movements or the feel of their smooth, dry scales. Snakes as pets have a number of advantages over other more popular animals.
Snakes don\’t have fur, hence they make great pets for animal enthusiasts who are allergic to animal fur. Many snakes only need to be fed once or twice a month, making them low-maintenance pets. They are quiet and thus a real blessing for anyone living in an apartment. Also, they don\’t require outdoor excursions.
Snakes require specific living conditions and food in order to thrive. Any simple wooden box will do to house a pet snake. Snakes do not need much room. It should be big enough to slither around in.
Snakes shed their skin approximately every 3 months, during this time, snake may need extra water in its water bowl to soak in. When a snake gets ill, it\’s usually best to turn it loose.
A natural disaster is a major event resulting from natural processes of the Earth. It causes a great loss of life and property. During such disasters, the number of people who are rendered, trippled and houseless is more than the number of people who loose their lives. Even the economy of the peace which faces a natural disaster, gets effected.
It is true that a natural disaster is a natural process and we cannot stop it but by making certain preparations, we can reduce the magnitude of the loss to life and property. First of all we should reduce global warming which is the root cause of all the problems. We should also have insurance policies so that we could have sufficient money to rebuilt our lives after any such disaster.
The scientists should invent advance warming systems. While construction we should make sure that it is strong enough to withstand earthquakes. We should educate people about evacuation during any disaster.
Eduindex News 
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