International Education

A wonderful time to be working is now in the field of International higher Education. Government, academia and the private sector never have been more engaged in the vigorous dialogue of how to attract and welcome international students to the United States. New initiatives from the department of State, Education and Commerce and other agencieshave made the U.S even more welcoming. New college programs are becoming more global and adventorous. Even the private sector have become involved, believing that it too may have a role as an engine for change.
Suddenly it seems that every American Campus wants to "internationalize," and many vie for the honour of being recognized as the most internationalized. U.S students as well as international students, look careful for indications that an institution is truely international. The creative energy that comes from the involvement of so many sectors has produced some exciting innovations.
United States has traditionally enrolled many more  of the world's students that any other nation, also it continues to do so today. According to the most recent annual survey, more than 565000 students from other nations are currently studying in the U.S. The diversity, size, prestige and excellence of the higher education system in the United States offer powerful incentives for we like students and other academically gifted young people from around the world who want to have the best educational experience possible.
The U.S higher education system is quite different from most others- largely because the federal government plays a minor role. We have a vast system of community colleges, four-year liberal arts schools, public and private institutions and major Universities granting doctoral degrees. Along with a number of specialized schools at both the undergraduate and graduate levels- all a part of the U.S higher education system. To help us to navigate through the system, the state Department offers an educational advertising network providing unbiased information to all- the EDUCATION USA network. Each year they provide advice and assistance to the hundreds of thousands of prospective students wishing to study in United States. EducationUSA advertising centers are staffed by professional advisers. These centers actively promote U.S higher Education by offering comprehensive, objective, accurate and timely information about educational opportunities in the United States and guidance to the qualified individuals on how best to access those opportunitues. U.S colleges and Universities offer the possibility of educational exellence and we hope you choose to take advantage of this incomparable resource.

Some Recognized Colleges and Universities in United States:

1. Adelphi University (New York)

2. Adrian College (michigan)

3. Boston University (Massachusetts)

4. Bryant University (Rhode Island)

5. Chapman University (California)

6. Colorado State University (Colorado)

7. Florida Gulf Coast University (Florida)

8. Hawai'i Pacific University (Hawaii)

9. Northern Arizona University (Arizona)

10. Johnson and Wales University (Rhode Island)

11. Oklahoma State University (Oklahoma)

12. Marshal University (West Virgina)

13. Fordham University (New York)

14. Hofstra University (New York)

Some Internationally Recognized Universities:

1. Ashford University

2. Northwestern University

3. Harvard University

4. Columbia University

5. Oregon State University

6. Stanford University

7. Strayer University

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Life Insurance Companies

Life Insurance Companies compensate (provide benefits to) the beneficiary of a policy upon the policy holder's death. They charge policyholders a premium that should reflect the probability of making a payment to the beneficiary as well as the size and timing of the payment. Despite the difficulties of forcasting the life expectancy of a given individual, life insurance companies have historically forecasted with reasonable accuracy the benefits they will have to provide beneficiaries. Because they hold a large portfolio of policies, these companies use actuarial tables and mortality figures to forecast the percentage of policies that will require compensation over a given period, based on characteristics such as the age distribution of policy holders.

Life insurance companies also commonly offer employees of a corporation a group life policy. This service has become quite popular and has generated a large volume of business in recent years. Group policies can be provided at a low cost because of the high volume.

Types of Life Insurance:
Some of the more common types of life insurance policies aredescribed here:

Whole Life Insurance:
From the perspective of the insured  policy holders, whole life insurance protects them until death or as long as the premiums are promptly paid. In addition, a whole policy provides a form of savings to the policy holder. It builds a cash value that the policy holders is entitled to even if the policy is cancelled. From the perspective of the life insurance company, whole life policies generate periodic (typically, quarterly and semiannual) premiums that can be invested until the policy holder's death, when benefits are paid to the beneficiary. The amount of benefits are paid to the beneficiary. The amount of benefits is typically fixed.
Present value of benefits on whole life policy= L * mt * PVIFAr,n
where, L= Amount of each policy
             mt= Mortality rate
              n= number of year
              r= cost of money

Term Insurance: 
Term Insurance is temporary, providing insurance only over a specified term and doesnot build a cash value for policy holders. The premiums paid represent only insurance, not savings. Term insurance, however, is signigicantly less expensive than whole life insurance. Policy holders must compare the cash value of whole life insurance to the additional costs to determine whether it is preferable to term insurance. Those who prefer to invest their savings themselves will likely opt for term insurance.
People who need more insurance now than later may choose decreasing term insurance, in which the benefits paid to the beneficiary decrease over time. Families with mortgages commonly select this form of insurance. As time passes, the mortgage balance decreases, and the family is more capable of surviving without the breadwinner's earnings. Thus, less compensation is needed later years.


Universal Life Insurance:
Universal life insurance combines the features of term and whole life insurance. It specifies a period of time over which the policy will exist but also builds a cash value for the policy holder over time. Interest is accumulated from the cash value until the policy holder uses those funds. Universal life insurance allows felexibility on the size and timing of the premiums too. The growth in a policy's cash value is dependent on the place of the premiums. The premium payment is divided into two portions. The first is used to pay the death benefit identified in the policy and to cover any administrative expenses. The second is used for investments and reflects savings for the policy holder.

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