Binghamton University

Binghamton University opened its doors as Triple Cities College in 1946 to serve the needs of local veterans returning from service in World War II. It was originally located in Endicott, which was five miles west of the present campus, and the fledgling school was a branch of Syracuse University. Finally, in 1965, it was formally designated the State University of New York at Binghamton. It was adopted as our informal name in 1992.

 Today, people all over the world are learning what New Yorkers have known for decades and the Binghamton University is one of America's premier public universities

 Flow of the international students is from  various locations as varied as Turkey, Nepal, Australia, France, Morocco, Germany and Italy. The school offers support for incoming exchange and dual-diploma students. It provides special academic advising for international students. Along a number of study abroad opportunities and a number of study abroad opportunities. It is Listed among the elite public universities in the US even the out-of-state tuition without scholarships isn’t too expensive. It has lot of exchange agreements with overseas universities and offers a special orientation session for these students.

Tuition: $8,144 (In-state) $18,464 (Out-of-state)

Average tuition minus institutional grants/scholarships: $11,535

Flow Percentage of International Students: 11%

Undergraduate: 13,412

Graduate students: 3,283

Average SAT scores range: 1773-205

Average ACT scores range: 27-30

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Types of Life Insurance Policies

Insurance companies have present different levels of policies to suit different needs of public. At the time of confirming to buy a policy, a person must know firstly the amount of premium he will have to pay, secondly time span of insurance, and thirdly.sum insured with or without bonus. The following are the types of life insurance policies:

1) Whole life policy

2) Endowment policy

3) Term policy

4) Other life policies

Types Of Life Insurance Policies

1) Whole Life policy

           In this type of policy the insured have to pay premium throughout his life or up to limited years. The amount is paid to the nominee of the insured on his death. This done for the protection of nominee's family. The rate of premium in the policy is low as compared to other policies of life insurance because amount is payable in the whole life. This type of policy has no financial gain to insured. It can be further classified into following types:

Ordinary whole life policy

 Limited Premium whole life policy

 Single Premium whole life policy

2) Endowment Policy

This type of policy is issued for a fixed specific period of time. Insured is payable to the policyholder on the maturity of the policy. Endowment policy is very popular because it makes provision for the security of the family. The following are the types of this policy:

•  Ordinary endowment policy
• Pure endowment policy
•  Double Endowment policy
•  Deferred endowment policy.

3) Term Policy

     It's a very old policy which is for 1, 2, 5 or 10 years. The money is paid back only after the death of the nominee. If the nominee survives more than the insured time than company will not pay back the amount. We have to make knowledge that it's neither saving nor investment. It has following types:

•  Straight Term policy
• Convertible Term Policy
• Decreasing Term Policy
• Renewal Term Policy

4) Other Life Policies

Some of the types of life insurance are as follows:

•  Single Premium Insurance
• Joint Life Policy
• Group Life Insurance
• Multipurpose Insurance Policy

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Concept of insurance

Human beings are exposed to different kinds of risks, Such as loss of property by fire, untimely death, and loss in accidents. They are uncertain. It is impossible to eliminate financial loss arising from an uncertain event with the help of insurance. Thus, insurance is a financial mechanism to reduce or eliminate the financial loss due to risk .However, it can neither eliminate nor reduce the risk, but only provides protection against them .Insurance is a way of sharing a risk among the peoples.

                     The nature of insurance can be expressed clearly by an example. Suppose there are 20,000 houses in a village each values Rs: 200000. On the basis of experience it is ascertained that four houses are destroyed by fire each year. Thus, it is clear that fire will catch in four houses next year. But, it cannot be ascertained as to which house will catch house. Nobody knows who those unfortunate individuals will be. One cannot foretell when and who would suffer loss. But everyone is afraid of the risk to which they are exposed. That is, everyone is likely to suffer from a loss of Rs: 200000 which is a big burden for an individual. They can find a method of providing protection against this risk by establishing a common fund to which each contributes Rs: 80 very years. The four unfortunate householders can be compensated by the created fund. It is in this cooperative measures that insurance originated. In fact, the most important from of risk transfer is insurance.

               Insurance protects a person and his dependents from loss arising from future uncertain events such as fire, flood, accidents, early death, etc. It should be remembered that the loss cannot be eliminated by insurance but it spreads over a large number of persons. The function of insurance is to distribute the loss of few persons into many persons. We have to make the idea that the insurance is a process of sharing risks.

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University of Cambridge

The University of Cambridge was founded in 1209 and is a collegiate public research university in Cambridge, The Great Britain (England). .It is the second-oldest university in the English-speaking world and the world's fourth-oldest surviving university. After the dispute with townsfolk, it grew out of an association of scholars who left the University of Oxford.

Including 31 constituent colleges and over 100 academic departments Cambridge was formed. The colleges are self-governing institutions founded as integral parts of the university. Its university occupies buildings throughout the town, and many of which are of historical importance. The university is closely linked with the development of the high-tech business cluster known as silicon fen. The central university and colleges have a combined aptitude of around £4.9 billion which is the largest of any university outside the United States

Beside academic studies approximately student life is centered on the colleges and numerous pan-university artistic activities and in different sports clubs and societies. Students learning involve lectures and laboratory sessions organized by departments and by college supervisions provided. Cambridge University operates scientific museums, Arts, and culture including the botanic garden and Fitzwilliam Museum. It holds around 15 million books out of which 8 million books are in its library which is a legal deposit library. Its printing press is the oldest publishing house and second largest university printing press.

 According to University Ranking 2014-15 by Academic Performance (URAP), it is the 2nd university in UK and coming second to Oxford, and listed as 5th top university in the world. It has many notable alumni, politicians, economists, actors including several eminent mathematicians, scientists, writers, philosophers, and 90 Nobel laureates who have been affiliated with it.

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New England College of Business and Finance

 With the Motto of Integrity, Leadership and knowledge, The New England College of Business (NECB) was established in 1909 Boston, Massachusetts.  The NECB is a private and for-benefit online school. NECB is associates with undergrad and graduate degrees in International business, science related field, Business Administration and Digital Marketing. Thousands of students are joining the distance learning program. The platform of distance learning has made NECB a special college.

NECB was later incorporated by the Commonwealth of Massachusetts in 1914 but at first it was originally founded as the American Banking Institute (ABI) in 1909. With the view to offer a degree associate’s in business administration ABI received their degree-granting authority in 1979 from the Board of Regents of Higher Education in Massachusetts. From the New England Association of Schools and College In 1985, ABI received full college accreditation – the only bank sponsored educational institution in America to become accredited as a degree granting college.  At last with the association of bank members in 1988, and finally ABI expanded throughout New England and later voted to change the name to the New England Banking Institute.

Awards and honors

•  It is their honor to achieve U.S. News and World Report: Best online programs in MBA programs 2015
•  It is NECB honor to achieve 2014 Gold Awards for Best practices for Distance learning programming honored by U.S. Distance learning association
• It will always be Glad of NECB to achieve creative use of technology award, handled by Association for continuing Higher education.
• t is their pride to achieve Brandon hall group silver award for excellence in the best learning team category 2014

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University of Toronto

University of Toronto was established in 1827, and it is one of the strongest research and teaching faculties in North America and presenting top students at all levels with an intellectual environment unmatched in depth and breadth on any other Canadian campus. It has been committed to be an internationally significant public research university along with undergraduate, professional programs of excellent quality and graduate programs. All in all, it is determined to build on its past achievements and so enhance its research and teaching in many various field. The University anticipates that it will remain a large university throughout the country. It will continue to exploit the advantages of size by encouraging scholarship in a wide range of disciplines. Most of the fields include like, arts, humanities, social science and sciences fields. It will continue to value its inheritance of colleges and federated universities that will give many students an institutional home within its university. Additionally, it will strive to make its campuses attractive settings for scholarly activity. The University of Toronto is dedicated to fostering an academic community in which the learning and scholarship of every member may flourish and bloom with vigilant protection for individual human rights, equity and justice and a resolute commitment to the principles of equal opportunity.Admission qualification

If you are an international student under the age of 18 then you may be asked by Immigration Canada to find a Canadian citizen to act as a guardian. It is your family who is responsible for satisfying this requirement. Additionally, all applicants who are competitive for admission to the University of Toronto are among the top third of their class who are Canadian undergraduate. For all international students whose native language is not English they should submit the proof of English language proficiency i.e. TOEFL score no less than 80.

Scholarship and financial aid

The University of Toronto has comprehensive scholarship and financial aid programs that provide financial support and recognition for outstanding academic achievement at different levels of study.  University of Toronto with its faculties and colleges offers more than 3000 admission scholarship and more than 4800 course scholarship each financial year.  Along with, it has been providing you with two assurances regarding financial support based on; one's need and the other primarily based on academic merit. Its Policy on Student Financial Support states that no student admitted to a program at the University of Toronto will be unable to enroll or complete the program because they do not have sufficient funds. This commitment to students who are Canadian citizens and permanent residents or being protected persons means that the University will supplement the funding provided by government sources. It has been a great support for Canadian students to graduate.

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Duke University

Duke University is a personal analysis university placed in Durham in North geographical region. It is supported by Methodists and Quakers at intervals the modern town of Trinity in 1838 and the varsity rapt to Durham in 1892. Additionally, in 1924, with tobacco and power man of affairs James B. Duke established and The Duke Endowment at that amount the institution changed its name to honor his deceased father as Washington Duke.

Academic excellence: academically rigorous and strongly supportive.

84% of its graduate goes on to pursue advanced degree

47% of its students earn two or more than two degrees.

85 % of medical student's acceptance rate, more than twice the national average.

2000 comfy seats in its library.

The university’s field spans over eight  region, widespread in 600 acres (35 km^2) on three contiguous campuses in Durham in addition as a marine research laboratory in Beaufort. Its main field designed principally by African yank designer politician white aspen incorporates style of design with the 210-foot (64 m) Duke Chapel at the campus’ center and highest purpose of elevation. Additionally, the freshmen-populated East field contains Georgian-style style, and while the foremost Gothic-style West field.5 miles way are adjacent to the center.

 Duke utilizes a semester-based academic calendar. It is ranking in the 2015 edition of Best Colleges is National Universities, 8. Its tuition and fees are $47,488 (2014-15).

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