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 There are two main types of Life Insurance:

Term Assurance & Whole of Life or Endowment Policies

What is the difference between Term Assurance and Whole of Life or Endowment policies?

The simplest answer to this question is that term insurance provides protection against death during a specified period and whole of life insurance provides protection against death at any time. This is a very important distinction to make. Term insurance will last for between one and about 30 years. Should you die during this term, you will receive a benefit. Whole of life insurance will always result in a payment. How much that payment is depends on what type of policy it is and the performance of any investments within the policy.

Term insurance provides more insurance for less money than whole of life policies. This is because premiums are lower, as the insurance company may not have to pay out at all. Therefore you are able to purchase more coverage when you most need it.

Level term insurance is appropriate for someone needing to provide a certain amount of money to cover a need during the term. For instance, someone who has an interest-only mortgage can take out level term insurance to cover their capital repayment.

Increasing term insurance covers an amount that will grow over time. A businessman may cover his partner's life and the increasing amount would cover the growth in the size of the company.

Convertible term assurance covers someone unsure of long term needs. The ability to convert to whole of life should income increase or to a savings plan should the kids finish college, no longer needing cover.

Term insurance is where covered is provided for a fixed term. The sum assured will only be payable on death, with no investment benefits nor payment on survival.

It is important to understand this concept. Should you survive past the end of the term, you will not receive any payment as your
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Birgunj is a metropolitan municipality and border town in Parsa District in the Narayani Zone of southern Nepal. It lies 283 km south of the capital Kathmandu, attached to north of the border of the Indian state of Bihar.The town has significant economic importance for Nepal as most of its trade with India is via Birgunj and the Indian town of Raxaul. Tribhuvan Highway links Birgunj to Nepal's capital, Kathmandu. Patients visiting the hospital have been deprived of various medical facilities owing to vacant posts. The posts-- eleventh level Physician, Pathologist, Psychiatrist, General Surgeon, Orthopedic Surgeon, ENT Surgeon, Obstetrician, Anesthesio- logist, Dental Surgeon and Chief Nursing Administrator--are vacant.The hospital has also been unable to reappoint five nurses whose contracts had ended towards the end of the fiscal year. With this, the hospital is struggling to provide medical services to the ever increasing number of patients.

Nepali film actor Siddhartha Lama who had also earlier appeared in Malayalam film “Yodha” starring south superstar Mohanlal. “The film has two tracks set in two timelines. But they are confused about what route to take; whether to embrace the spiritual path of the Dalai Lama or to resort to terrorism to reach their goal”, said Lenin Rajendran, the movie director. Manisha also said that equality and spirituality are the only answers to the war and chaos that the world is facing. Quizzed on the rising issues of intolerance, the actress said: “I believe in preserving our culture, at the same time I also believe in freedom of expression”. The actor, in real life, is a cancer surviver, and is now back in action for a film promotion. Award winning cinematographer Madhu Ambat who cranks the camera for the film said that since the characters in the film have a mix of modernity and myths, he enjoyed working for the film as he has played a lot with darkness in the film. “I consider it as a huge health setback that happened to me and I want to move beyond the tag”. When the word cancer is used, you feel it means death. It’s true that the disease is rare and painful and most of us don’t survive. “Society should know about people like me who have fought cancer and strive for a better life”. “I really wish, I could act once again with Mohanlal”, she added. “I used to browse only to look at good and positive results”.

Rajesh Hamal was born on June 9, 1964 in Palpa, Nepal. He started his career with the movie "Yug Dheki Yug Samma" in 1994. He is considered a dominant figure in bringing professionalism in the Nepalese movie industry. Rajesh completed his schooling from Moscow, higher education (MA in English) from Punjab University, India. Studied in Nepal for a year at St Xavier's School in grade eight. He had modeled for Fashion Net, an Indian fashion magazine in 1985 and had also walked the ramp in Kathmandu and New Delhi in 1986. In one year, on an average, he works on 10 to 12 films. The maximum was 16 films in 1994. Among all his movies, Devata and Basanti are his favorite.He was linked with Kristi Mainali in his earlier carrier and both couple shared the great on screen chemistry. Later on people talk about Rajesh Hamal and Karishma Manandhar on screen as the best pair in the Nepalese film industry.

Song Title: Badulki By Purna Kala Bc & Chatra Shahi
Voice laya :Babukrishna Pariyar
Lyrics :Birata Pun
Model :Sabina /Gopiagopal/Hari /Nita
Video Making :Shiva 4s media

A meeting of top leaders of the Nepali Congress has decided to move ahead after amending the party's statute before its election of parliamentary party leader and working committee. During the meeting held at the residence of senior leader Ram Chandra Poudel at Boharatar on Wednesday, the leaders took the decision in this regard, said leader Bimalendra Nidhi. The meeting also decided to call parliamentary party meeting on April 4. Present on the occasion were President Sher Bahadur Deuba, senior leader Poudel, leaders Gopalman Shrestha, Bimalendra Nidhi and Purna Bahadur Khadka.