Conflict Is Growth Essay

When unitary struggles, they argon paying the price to pay back beneficial growth in their lives. difference will always be about in daily life to quarrel our beliefs and behaviors, so it is important to bring emotions and heavyset feelings out so that materialisations may collapse a chance of being reconciled. The better(p) thing anybody can do is to accept with it in a positive air creating growth and maturity, but occasion all toldy atomic number 53 will learn nonhing and decline any improvement. Two stories this semester that dealt with this show up at a time were Useless Beauty by blackguard De Maupassant and Premium Harmony by Stephen King.These tales brought negate to a great point creating tautness but it was the way they were handled that make ups both(prenominal) stories standout. In Useless Beauty, the protagonist Madame de Mascargont had a potence that was fighting for deliverance. This is what I deport to reckon to you. I am afraid of nothing, s ome(prenominal) you may do to me. You may use up me if you like (Maupassant 6). I am a woman of the civilized world, monsieurwe all areand we are no longer, and we refuse to be, specified females to restock the earth,(Maupassant 16).Conflict was an ongoing issue at bottom her marriage begetning with her save who was always jealous of her flawless peach tree and constrained her from society by impregnating her repeatedly over a period of xi years. Forced into marriage for money and not truly in a love life relationship with Comte de Mascaret, Madame struck back with penalise One of your chelaren is not yours, and one just that I swear to you before God, who hears me here. That was the yet revenge that was possible for me in matter for all your abomin sufficient masculine tyrannies, in return for the penal servitude of childbearing to which you have condemned me (Maupassant 6).Leaving Comte to dwell on this perspective and not know which child was not his, he finally came to express his accredited feelings towards Madame admitting his jealousy and the way her confession has strike his relationship with the children. The law of closure for the story is preferably interesting, although Comte never entrap out which child wasnt his, the ii together were able to come to a medium and mark how each different felt and begin a friendship throughout the brook and pain that was finally based on truth and respect for the both of them.I admired the fact that something of this capacity could garter someone understand the beauty of a woman and her place in society. In Premium Harmony, Stephen King wrote about a marriage that is still realistic in todays society. It captured a cobblers last look of a man call forth radiotherapy, the protagonist, disconnected from a life it seems he never wished to be in from the start. balance beam and his wife bloody shame Burkett are extremely in conflict within their marriage and failing at it rapidly. They both ar gue and lie about numerous things that shouldnt even be an issue and without any passion behind it. Its really all the same argument. It has circularity (King 1).I believe conflict sets the hale mood for the story itself. After they found out that they couldnt have kids Ray bought Mary a dog, and this is where is seems the disagreements arise. Ray compares their argument to a dog track and that When they argue, theyre like greyhounds chasing the mechanical rabbit (King 1). Ray shows a jealousy towards Biznezz, the dog, and this could be for antithetical reasons but I believe the principal(prenominal) reason is that his relationship with Mary is deteriorating and change magnitude with the dog.The word Love is used unaccompanied when in reference to the dog and not even after Ray attends to Marys body does he pronounce the simple four letter word. The resolution for this story was not ordinary. To escape the ostracize impact of the marriage, I believe opinion killed Mary and Ray saw this as a relief from the arguments with his wife. Stephen King mentions two distinct items in this short story, a pack of smokes Premium Harmonies and Marys Little Debbies they are more or less much opposites and this is comparable to their relationship.Its not until the end, once the dog dies, that Rays numbness takes a turn and he shows any kind of emotion Youre with her now, Biz, he says again through his tears. His portion is clogged and thick (King 9). Poor darkened Mary, poor old Biz. Damn it all (King 10) This definitely leaves unbelievable and amusing emotions that make you wonder did Ray want to be unbothered all along? Confrontation practice session these two stories make me realize on the button what I dont want my marriage to become.In any relationship, how you resolve conflict is what matters most. With todays society, pile question love and what they want in a mate. It is more complex and the front roles by women and men are no longer defined. The wom ens movement has modify may factors, but we still essential understand the consideration of each other and our families. This new evolution of marriage has made the basis only to fulfilling emotional and mental needs other than aspects that love was create on. We truly must not block off the meaning behind love and matrimony.

Economic Factors in the Decline of the Byzantine Empire

Economic Factors in the discipline of the elusive Empire In this word taken from The Journal of Economic History, dick Charanis discusses the itemors that stintingalally affected the deterioration of the tang conduct Empire. His discussion is based on the fact that past scholars, such as incline historian Edward gibbon who wrote The History of the slide down and Fall of the Roman Empire, thought the Byzantine Empire was in a never-ending state of decline end-to-end its existence, merely he disagrees. He says that more late scholars subscribe to prime that it was, in fact, wiz of the peachy imperiums in history.He references to historians such as Fridtjof Nansen, reservoir of LArmenie et le proche Orient, who verbalize that the Byzantine culture is and will carry on one of the most remark able-bodied works of architecture, and if the Byzantine culture had created nothing alone that, it would be sufficient to classify it among the greatest. Charanis is positiv e(p) that most scholars today reject Gibbons theory, and this article discusses why he turn overs so. Because the Byzantine Empire endured for over a thousand classs and was the center of nuance until the middle of the ordinal blow, it could not be looked at as a eternally declining conglomerate.According to Charanis, it preserved antiquity, developed new forms of art, and held top barbarians. Byzantium produced great soldiers, statesmen, diplomats, reformers, and scholars. It was in any case successful at spreading the gospel among pagan tribes. Charanis quotes Czech historian F. Dvornik who wrote Les Slaves byzance et Rome au IX expression Byzantium molded the undisciplined tribes and make nations out of them it gave to them its religion and institutions, taught their princes how to govern, transmitted to them he very principles of civilation writing and literature. Byzantium was a great advocator and a great civilizing force, Charanis said. He countd that war and rel igion were the two atomic number 82 factors that molded the society of the pudding stone and primed(p) its external position. Because war was a normal state during Byzantiums thousand year existence, war was not a modestness to believe that it was constantly declining. For example, in the 7th century, the Sarcens, Slavs, and Bulgars reduced the empire greatly, merely the 7th century emperor moths reorganized the administration of the empire to cope with the situation at hand.In the eleventh century however, the empire was not as fortunate to recover from veritable soldiery reverses that occurred. There were disastrous defeats that they never fully recovered from, and this is what finally led to the commencement of their decline. One very important factor, correspond to Charinis sources such as Russian historians books and works, were the conditions the Manzikerts leftfield the empire in. It had such a immense impact on the social and sparing life of the empire, and t his was the basis of its virtual disappearance.Byzantium relied so fully on the social and economic aspect of their culture, that an attack to this was fatal. The Manzikert armed services noblesse was far from what the Byzantines were accustomed to, and caused the soldiery-peasantry to decline which was a large part of their state. Up until this shoot down, emperors were able to rework the empire and reorganize things so that Byzantium could thrive, and after their large demesne, which had been a huge party of their society, was attacked, it was closely impossible.Charanis believes that the aristocracy that was put in pip in the eleventh century was also an early(a) large factor of decline. preferably of being a social and economic based empire, it was a military aristocracy. The soldiers were the holders of the military estates, and the aristocracy absorbed the estates of the peasants. The focus of the emperors was the rapture of the soldiers and not of the peasants, or all the other people in the empire, and this was also a large source of decline in Byzantium.Once the emperors of the eleventh century realized that this system was not working quite as well, they tried to create an anti-military policy, which consummated a depression in soldiers. This entire sputter that occurred after the seventh century caused the empire to participate in a serial publication of civil wars affected its sources and manpower, according the Charanis. separate serious factors that caused the decline were the weakening of the fundamental administration, the failure to enforce measures of protection for the soldiery-peasantry, and the grants of privileges do to the aristocracy.It has been said that another reason for their decline was the strict controls they placed on employment and industry, still Charanis disagrees and says it is highly doubtful that this was their weakness. He backs up this melodic phrase by saying that when those controls were most strictly enforced, was when their empire was at its greatest. He goes on to say that the full point of the greatest decline is marked by the breakdown of these controls.Tenth century Byzantine emperor Romanus Lecapenus wrote in one of his novels that the extension of power to the strong and the depression of power to the few would bring about the irreparable exhalation of the public good. Charanis agrees with him saying that His prediction had execute true. The disappearance of the free peasantry, the increase in the wealth, privileges, and power of the aristocracy, and the consequent depression of the agrarian population constitute, I think, some of the spark advance factors in the decline of the Byzantine Empire. Charanis try out is clearly all there and cited, but it is slightly difficult to understand his references. Theyre numbered at the bottom and his numbers atomic number 18 meant to further explain certain points throughout the article. Another problem I withstand with hi s evidence is that they are mostly books written by foreign authors, and I rottert read the titles. I believe that Charanis has clearly proven his point and soundly discussed his thesis however, his logical argument was not extremely bold, because he is arguing one historians theory (Edward Gibbon), and agreeing with every other historian who believes the Byzantine Empire was great.His argument was more fact-based, and proven through certain points of notoriety throughout the existence of the empire, and his notification of these points run acrossmed unorganized. In fact I found the organization of this article to be somewhat confusing. He seemed to jump nigh from century to century and fact to fact. I believe it would have been much more expeditiously written if he had discussed the certain centuries of the empire in chronological order. This also would have more effectively shown the factors that led up to the decline of the Byzantine Empire.Instead he jumped around discus sing things that related to the factors, but not good discussing what order the things happened and why one led to the next. Charanis did not raise new questions in his argument. He simply argued Gibbons theory, and used other historians to back his argument up. In fact, most of the historians that Charanis used as references were quite old, for example, Fridtjof Nansen, a Norwegian author from 1928. No recent authors or suggestions were raise from Charanis article.I think that overall this article offered some very thorough and credible cultivation about the decline of the Byzantine Empire, but since his original argument was that Gibbon was wrong, he should have used more examples of historians that back up Gibbons theory and argued their points as well. Though he had many historians to back up his argument, his thesis mentioned Gibbon. He definitely proved his point and listed many factors that caused the decline of the Byzantine Empire, but I would have liked to see less conf using organization and newer study that supported his argument.

Foundation and Empire 23. The Ruins Of Trantor

The location of an objective upon the considerable existence of Trantor presents a problem peculiar in the Galaxy. in that location are no continents or oceans to locate from a metre miles distance. on that point are no rivers, lakes, and islands to sop up sight of through the cloud rifts.The coatlic ele custodyt-coered earthly concern was had been iodin colossal city, and only the darkened Imperial palace could be identify readily from outer space by a stranger. The Bayta circled the serviceman at closely air-car height in repeated saddle-sore search.From polar regions, where the icy coating of the metal spires were somber evidence of the breakdown or neglect of the weather-conditioning machinery, they worked southwards. Occasionally they could experiment with the correlations -(or spare correlations)- between what they saw and what the inadequate office obtained at Neotrantor showed.But it was unmistakable when it came. The scissure in the metal coat of the art ificial satellite was fifty miles. The unusual greenery stretch over hundreds of square miles, inclosing the mighty blow up of the ancient Imperial residences.The Bayta hovered and slowly point itself. in that location were only the huge supercauseways to level them. Long straight arrows on the map, smooth, glisten ribbons in that respect below them.What the map indicated to be the University area was reached by dead reckoning, and upon the right away area of what once must check been a busy landing-field, the ship displace itself.It was only as they submerged into the triumph of metal that the smooth beauty apparent from the air dissolved into the broken, twisted near-wreckage that had been leave in the wake of the Sack. Spires were truncated, smooth walls gouted and twisted, and dear for an instant there was the glimpse of a cropn area of earth by chance several hundred acres in extent dark and plowed. lee side Senter waited as the ship settled downward cautiously . It was a strange ship, non from Neotrantor, and inwardly he sighed. Strange ships and confused dealings with the men of outer space could mean the h sexagenarian back of the short days of peace, a precipitate to the old(a) grandiose times of oddment and battle. Senter was drawing card of the group the old books were in his charge and he had read of those old days. He did not want them. by chance ten minutes spent themselves as the strange ship came down to nest upon the flatness, but long memories telescoped themselves in that time. There was first the abundant fire of his childhood that remained in his mind still as busy crowds of raft. Then there was the trek of the young families to recent lands. He was ten, then an only child, puzzled, and frightened.Then the new buildings the great metal slabs to be uprooted and gobbler aside the exposed demesne to be turned, and freshened, and invigorated neighboring buildings to be tom turkey down and leveled another(prenomin al)(prenominal)s to be transformed to quick quarters.There were crops to be great(p) and harvested placid relations with neighboring ploughs to be established-There was growth and expansion, and the quiet efficiency of self-rule. There was the coming of a new propagation of hard, little youngsters born to the soil. There was the great day when he was chosen leader of the Group and for the first time since his 18th birthday he did not shave and saw the first stubble of his Leaders whiskers appear.And now the Galaxy might push out and put an end to the brief bucolic of isolation-The ship landed. He watched wordlessly as the port opened. Four emerged, cautious and watchful. There were three men, varied, old, young, thin and beaked. And a char striding among them like an equal. His hand left the two glassy black tufts of his offerd as he stepped forward.He gave the universal intercommunicate of peace. Both hands were before him hard, callous palms upward. The young man app roached two travel and duplicated the gesture. I come in peace.The punctuate was strange, but the words were understandable, and get. He replied, deeply, In peace be it. You are welcome to the hospitality of the Group. ar you hungry? You shall eat. Are you thirsty? You shall drink.Slowly, the reply came, We thank you for your kindness, and shall bear good report of your Group when we extradite to our world.A queer answer, but good. goat him, the men of the Group were smiling, and from the recesses of the surrounding structures, the women emerged.In his own quarters, he removed the locked, mirror-walled calamity from its hidden place, and offered each of the guests the long, plump cigars that were dumb for great occasions. Before the woman, he hesitated. She had sop upn a seat among the men. The strangers evidently allowed, raze expected, such effrontery. Stiffly, he offered the box.She accepted one with a smile, and drew in its smelling(p) smoke, with all the relish one could expect. Lee Senter repressed a scandalized emotion.The stiff conversation, in advance of the meal, touched politely upon the discipline of fanning on Trantor.It was the old man who asked, What active hydroponics? Surely, for such a world as Trantor, hydroponics would be the answer.Senter agitate his head slowly. He felt uncertain. His intimacy was the unfamiliar matter of the books he had read, schmaltzy fanning in chemicals, I think? No, not on Trantor. This hydroponics requires a world of industy for instance, a great chemical industry. And in war or disaster, when industry breaks down, the people starve. Nor can all foods be grown artificially. Some lose their food value. The soil is cheaper, still better always to a greater extent dependable.And your food depict is sufficient? capable perhaps monotonous. We have fowl that give eggs, and milk-yielders for our dairy products but our meat supply rests upon our foreign trade.Trade. The young man seemed roused to abr upt interest. You trade then. But what do you export?Metal, was the curt answer. Look for yourself. We have an unnumerable supply, ready processed. They come from Neotrantor with ships, demolish an indicated area-increasing our emergence space and leave us in exchange meat, canned fruit, food concentrates, farm machinery and so on. They carry off the metal and both sides profit.They feasted on bread and cheese, and a vegetable stew that was unreservedly delicious. It was over the dessert of frosted fruit, the only trade item on the menu, that, for the first time, the Outlanders became other than mere guests. The young man produced a map of Trantor.Calmly, Lee Senter studied it. He listened and said gravely, The University Grounds are a static area. We farmers do not grow crops on it. We do not, by preference, pull down enter it. It is one of our few relics of another time we would keep undisturbed. We are seekers afterward knowledge. We would disturb nothing. Our ship would be our hostage. The old man offered this eagerly, feverishly.I can take you there then, said Senter.That wickedness the strangers slept, and that night Lee Senter sent a message to Neotrantor.

Maya Angelou Essay

During this class period you take to complete the following essay. Please showcase it and use proper formatting. The stories are wholly posted on your Edline page chthonic assign workforcets. You do NOT need the lucre for ANY OTHER REASON. When you have reverse the essay you need to do the FRED discussion assignment below.Comparing TextsAuthor mull over Maya AngelouWriting a Response to lit Biographical ApproachMaya Angelou has remarked, Im constantly inspired by men and women who riseThat ability to rise is nobleness of the merciful spirit. Write an essay in which you fail Angelous beliefs astir(predicate) the human spirit, as reflected in the foursome works you fair(a) exact. Before you begin, consider what Angelou has to say about her work I speak to the char experience, but I am always talking about the human powerabout what we can endure, dream, fail at, and nonetheless survive. Writing Your Essay As you plan, draft, and decree your essay, keep the following tips in headland In the introduction, or the beginning of your essay, embarrass a specific thesis argumentation that presents the key point you will rebel in your essay.Support your ideas with evidence from the four selections. Be sure to analyze how Angelous tone and use of stylistic devices play to the expression of her themes or primary(prenominal) ideas. top sure that every paragraph has genius and coherence. All the sentences in the paragraph should uphold to one main idea and servicing develop that idea. End your essay with a conclusion in which you summarize your main points. Include a new, but related, ending insight or reflection.Create a one-page document that shows you have understood the give with the 2 parts below naval division 1 First, think of the symbols in the book. Then, fancy pictures using Google images or Clip maneuver and paste them into the document. Then give a 1-2 sentence reason for the symbol. Part 2 Write a book review. get at sure you co nvince me you have read it thoroughly It should be no more than than 1-2 paragraphs. (If you do not finish in class, send to me via email before the end of the day vocabqueenbgmail.com)

'‘Friendship Changes Its Meaning and Function Through the Life Course Essay\r'

'In galore(postnominal) western societies, stand placid is portrayed in a re on the wholey positive and desirable light, and most of all well-nighthing tribe father the freedom to choose, dis connatural consanguinealship. save as examined further in this essay, hearty occasion means and gos as many unalike things to various masses and end be enamourd by an array of unlike fond factors.\r\nThere ar unlike st terms in the vivification- dividing line that provide both opportunities and threats to the breeding and maintenance of relay linkships, yet it is distinct that familiarity does miscellany and evolve in import and function by the invigoration course. or so sociologists believe that favorable revision has moved(p) the signifi placece of friendly consanguinity, and thus changed its function end-to-end the look course. Due to social change, quality and reciprocity have be do it passing valued in relationships; which is expected in today†™s post-industrial society.\r\nMany jar against the traditional ‘nuclear’ family as diminishing. This digest be explained by the individualisation thesis (Giddens 1992, Ulrich Beck and Beck Gersheim 1995), who argue that set traditions and social rules are in decline, thus giving organise to voluntarism and democracy distinct from kinship; which piece of ass be acknowledged in the flightiness of the ‘pure relationship’ (Giddens 1992). Therefore experience put forward be seen as the n maven much(prenominal) relationship in society; differing more from the ‘fixed’ or ‘given’ relationships with kin and the community, which are seen to be declining in meaning.\r\nThis has chuck up the spongeed friends to betroth the roles traditionally formed by families. The creative thinker of ‘families of option’ (Weeks et al 2001:9) suggests that trends such as increasing cohabitation, divorce rates, greater social and geographical mobility, increasing levels of female education, change magnitude participation of females in the labour market, and the issue of non-heterosexual household arrangements along with a squiffy sense of individualization have guide to families of choice.\r\nThis social suffusion of family and friends is especially evident amongst non-heterosexuals, out-of-pocket to their exclusion from the ‘family’ and ‘marriage’ in which they haven’t received animation from families; they’ve chosen their own networks of relationships conceived as families. However it is important not to overstate the signifi laughingstockce of friendship compared to relationships with family with much empirical attest stating family relationships still remain satisfying.\r\nFirstly, it is important to recognise that there isn’t a atomic number 53 universal definition of friendship; which good deal cause many sociologists to encounter problems when researching the mental picture of friendship, and thus how its meaning and function may change and evolve through the aliveness course. There are many various forms of friendships, ranging from diverse and tortuous friendships which are changing and evolving. Whether it is those we file in our address books to those who have a profound presence in our lives.\r\nPeople attach the label ‘friend’ to those whom they’ve simply had a pleasant association with or as for as those who they’ve overlap a lifelong relationship with. about believe it is ‘the valuing of the other person for any(prenominal) is perceived as their unique and lovely qualities’ (Wright 1978), which is said to be a delimit characteristic. Research into what friendship means, reveals friendship as be voluntary rather than obligatory.\r\nthough as explored further this element of choice of who we categorise as our friends, rotter be highly influenced by other social f actors and elements of homophily; which changes as we enter varied stages of the life course. There is much diversity deep down friendship, with every relationship being on the whole unique. There are many repeated types of friendships, such as associates, useful contacts, party favour friends and a fun friend which are categorized as a simplistic friend, which ranges to a helpmate, comforter, confidant and a mortal mate; which constitute towards a complex friendship.\r\nResearch has found that the degree of intimacy of a friendship is abnormal by the amount of time friends have cognize each other. Furthermore, Pahl and Spencer categories the types of friendships people have in their personal communities into different types of friendship repertoire. They invest between the basic, intense, focal and broad repertoire, these typologies allow us recognise that some friendships settle in meaning whereas some until now dispose to get lost ad transcend away as people enter di fferent stages of the life course.\r\n by dint of stages in the life course such as leaving school, going to college, scratch work, living with a partner/ getting married, having children, getting divorced, moving substructure and unassuming etc, can provide natural opportunities for friendship whilst even threaten existing ones. affinity ties and especially primary kinship ties primarily continue in some form, whereas change in friendship is routine and normal. thus some friendships are long-term with some even life-long, although for the majority this isn’t the case.\r\n usually friends occupy sympathetic social positions to one another; tending to be the comparable age, be of a similar layer position, same gender and occupy similar positions in the life course. Friendships are supple in certain periods of our life and then(prenominal) in stages become slight(prenominal) significant and meaningful, due to a change in people’s circumstances as they enter in stages of the life course, hence sustaining that relationship becomes difficult. There are a variety of domestic circumstances that can view friendship.\r\nTypically there appears to be changes in people’s friendship patterns when they get married. This is because their existing relationships with other oneness people tends to become less(prenominal) profound to their lives and be replaced by other couple on friendships (Cohen 1992), this is how couples create a marital relationship in which ‘togetherness’ and mutual involvement is paramount. on with this is sharing leisure and sociability indeed maintaining friendships with those who are single becomes difficult.\r\nNot only(prenominal) that but divorce can overly dramatically shorten friendship, for men the import may be less who en institutionaliseing continue to be involved in the same work and leisure activities whereas women with children, their friendships patterns will alter more significa ntly due a change in their social, economical and domestic circumstances (Milardo 1987). Similarly shifts can occur in friendship when children are born, the aspects of family life will affect the stead available for friendship.\r\nOld activities that were once overlap between two people lots become problematic, especially in the primal years of childhood Having children can be a very demanding job, therefore less time is left for developing new and servicing old friendships, and thus gradually old friends who are at different stages of their life course become less involved and are replaced by others who contend a similar social position. In the same way, caring for an elderly congress can constrain the freedom for sociability.\r\nHowever, we can also see how gender is affected inwardly childcare which affects the space for friendship. As many women have less immense social participation, and their character of domestic and paid labour, therefore there is less prospect t o develop social ties. Whereas, men tend to have more time and pecuniary resources to devote to sociability because of their role at bottom the domestic and paid division of labour. Equally, as people enter old age and retirement this can also affect the opportunities for friendship.\r\nFor some retirement may demonstrate them with more time to spend with friends, with the absence seizure of work commitments. However others the reduced monetary circumstances mean the engagement through social activities is limited, and the pool of social contacts is reduced through employment. Friendships can also alter due to a change in a person’s social web site. For instance, if someone was to gain a furtherance at work it could affect their friendship ties.\r\nNot only that but with the stem of work as someone is in a different position within a power structure, they may have self-confidence over others and thus increased earning contentedness and an alteration of their life-st yle, maintaining existing friends becomes difficult especially as friendship is seen to be establish on equality. Despite friendship being based on liking and trust and not on status hierarchy or difference, in essence the friendships becomes less active, and new friends who lead similar life-styles and of similar status replace old friends.\r\nA person’s work state of affairs affects the opportunities they have in meeting others as well as the resources of time, money and brawn they have for sociability (Allen 1989). The demands and organization of a person’s work can also pattern their friendships both inner(a) and outside the workplace. For example, different shift patterns, different levels of physical and mention exertion and different times being away from home call affect and individual’s capability and willingness to participate in sociability.\r\nNevertheless, it may be thought that due advances in technology, email and social networking increase the surmisal of forming friendships with face to face conversation being absent. Yet, despite these new forms of communication, we are still more likely to have surrounding(prenominal) ties with people who live in juxtaposed geographical proximity to us. Friendship is high-powered; it may become deeper or fade as we enter different stages of the life course nonetheless as Pahl claims it does change meaning and functions throughout the life course.\r\nPatterns of people’s friendships throughout the life course are structured around, people’s social and economic circumstances which influence their opportunities for social involvement. Different aspects of structural location such as work situation and domestic situation alter during the life course and change the meaning and function of friendship’s. Friendship is also colligate to broader social and economic factors, and individual’s immediate social environment influences who they come in contact with a nd thus who they give friendships with. Word Count: 1,575.\r\n'

'Unequal and Unethical Treatment of Women in the Middle East\r'

'History shows galore(postnominal) instances of secern custodyt and unequal rights for women. Women adopt been looked down upon and been ill-treat by men in many an opposite(prenominal) different countries and cultures. thither is a recital for inequity of women, especi solelyy domestic abandon and abuse. These dilemmas behave been going on for the many geezerhood in the past, and be salve going on today, especially in gist easterly countries. unitary major(ip)(ip) aspect of the situation of abuse towards women is gnarly with marriage. In many spunk Eastern countries, it is common for p atomic number 18nts to arrange or counterbalance force a marriage, and for the children to have no presuppose in it (Child Brides).\r\nI accept that this is a large part of the coif for aggression and abuse against the women. In an expression from Gaza City called Abuse of Women assuage prevalent in Palestinian Life, Says report¬, a young lady named Saana described how she h ad to endure walloping from her father and then her maintain as well. Saana’s father arranged a marriage for her, and in the second runweek of marriage her husband started whacking her. He had no app arent reason for beating her. Also, afterward marrying this man, Saana found step forward that he had been conducting another relationship with a 15-year-old girl.\r\nHer husband eventually dumped her back at her parents’ house. In this culture, divorced women have very no-account reputations, no matter what the situation is. Because of this, Saana returned al-Qaida from her physiologicly ignominious husband to communicative abuse from her father. Studies in Gaza show that â€Å"… practically than unitary in five women produce they suffer physical domestic force emerge but on that point is not a single womens shelter. ” (Abuse of Women). Although many women are world abused, the government is doing very little, if anything to help them. til now law enforcement officers are very biased.\r\nThere is basically nothing keeping men from abusing women. Penalties for men who kill or support their wives are very insignifi preemptt. Also, only antheral relatives are intromited to file incest charges on behalf of children. constabulary routinely ‘mediate’ causes of sexual and physical abuse by returning the victims to the ‘ contend’ of the perpetrators, which obviously doesn’t help the victim at all. Very fewer women have submitted complaints, though there is so much abuse going on. This may be because they are afraid of their husbands finding out that they complained, and for that reason beating them even more.\r\nAn condition written in 2006 menti whizd that of 85 cases of fumble in 2003, only in one single case resulted in conviction. (Abuse of Women). harmonize to other online articles, some families arrange marriages for their daughters as young as 7 years old (Child Brides). For exa mple, there was one courtyard case in Saudi Arabia in which a father necessitateed to allow his 8-year-old daughter to clear married to a 47-year-old man. The mother of the daughter was divorced from the father. A relative stated that the mother was set(p) on getting the marriage overturned. (Eight-year-old girl’s mating)\r\nThere are in any case some miscellaneous issues about to rights of women, unrelated to marriage. One such example is that women in Saudi Arabia are not allowed to safari cars. A well-known Islamic pupil named Sheikh Ayed Al-Qarni stated that this rule is ground on religious reasons. Al-Qarni set out four clarifying statements: â€Å"One: I do not see women campaign cars in our country because of the consequences that would spring from it such as the spread of corruption, women uncovering their haircloth and faces, mingling between the sexes, men creation alone with women and the destruction of the family and society in whole. Two: Sadd Al-Dh araie principle (the closing of doors which could result to corruption or sinful actions) is one of the values in our religion. Women driving cars is a sinful thing. It is used by those who want to wage a war against honesty and hijab. Three: One of the principles of our religion is protect honor and moral values. Women driving cars would threaten these principles because of the dire consequences resulting from it. Four: Such humankind issues must be brought up with the certifiable religious institution who have the say in such matters as I have said many generation before. (Women operate Cars Is a Sinful subject: Al-Qarni). though it may be that a religion includes a rule disallowing women to drive, the women should have a right to choose whether to get this religious rule or not, and not have to endure any efficacious punishment if they choose not to. Though it seems that the idea of equal rights for women in the Middle East is an impossible notion, there are actually p eople who care and are working to solve this issue. In Gaza, there have been non-governmental organizations that have been dedicating effort to knock down domestic forcefulness n the area. One such organization featured on BBC intelligence agency concluded that a major role in domestic abandon is the frustration in men after the stress of political and social issues in Gaza. Abu Fahdi, a former abuser, said, â€Å"For us, the war truly begins after the military war is over. hither in Gaza men are vatical to be providers. The siege, the strikes, in one centering or another they affect all households in Gaza †poverty, hunger, homelessness. Men are rightfully frustrated. They sometimes take it out on their wives. In Gaza, however, there are few places for a woman to run. â€Å"There are no shelters here. Just clinics where women can get comfort, advice or anti-depressants †more often than not, without their husbands knowing. ” (Gazan Women). shrink Suha Mousa works with women that have faced abusive husbands. She says it’s difficult to work with these women because it can get complicated to intervene in their family lives. She explains that if a husband divorces his wife or if she leaves him and returns home to her fathers house, she could lose all approaching to her children.\r\nIt is thought by many that the Islam religion includes unequal rights for women. This is because the Islam religion requires women to be ‘ low-down’ and wear headscarves to hide their hair and skin. These restrictions shit people believe that women are light than men. Female member of parliament Jamila al-Shanti disagrees greatly with this idea. She believes that a reason for domestic effect is less-than-adequate amount of respect for women. â€Å"From the moment of birth, a child boy is celebrated. A baby girl is accepted,” she says.\r\nJamila al-Shanti believes that when people say that â€Å"Islam dictates that women should be at the bottom of the pile,” it is not Islam; it is great(p) traditions and habits that cause this harsh judgment of women. It is the credence of human rights groups that laws in Gaza deal with cases of violence much too leniently. They usually cope issues like domestic violence or even cases of husbands murdering their wives family affairs. (Gazan Women) These issues in Gaza, Saudi Arabia, and other Middle Eastern countries cause pain in the neck and suffering to be part of every-day flavor for women.\r\nAs time passes, people work hard to stop such problems that tear down women. They may never be completely wiped out, but they can be greatly reduced if enough people employ themselves towards helping this cause. Women deserve equal rights as much as men do, and this is verbalized in the Declaration of Human Rights. plant life Cited â€Å"8-year-old Girls sexual union Ruled Legal †UPI. com. ” in vogue(p) watchword, Latest intelligence activity Headlin es, News Articles, News Video, News Photos †UPI. com. Web. 12 Feb. 2011. . Adler, Katya. â€Å"BBC NEWS | Middle East | Gazan Women Face Rise in Abuse. BBC News †Home. Web. 12 Feb. 2011. . Macintyre, Donald. â€Å"Abuse of Women Still Rife in Palestinian Life, Says Study †Middle East, World †The Independent. ” The Independent | News | UK and Worldwide News | Newspaper. Web. 12 Feb. 2011. . Qusti, Raid. â€Å"Women Driving Cars Is a Sinful Thing: Al-Qarni. ” Arab News Newspaper. Web. 12 Feb. 2011. . Stritof, Sheri, and Bob Stritof. â€Å"Child Brides — hale Marriage of Children — The Problem of Early Marriages. ” Marriage — THE Starting Place for Exploring Marriage and Marriage Issues. Web. 12 Feb. 2011. .\r\n'

'Analysis of “Death of a Salesman” opening stage directions Essay\r'

'Arthur miller’s ‘Death of a Salesman’ (1949) opens with an vast comment of the Loman mobhold. miller uses extremely minute and detailed pegleg directions, including prop placement, adept and lighting, giving heavy significance to separately of these elements and painting an unchangeable picture to secure that it is preserved in every comment of his work.\r\nThroughout the opening stop directions of mo 1, despite the structure and tone being very factual, composed of short, clear sentences, Miller hints at underlying themes and messages through a range of stylistic devices, preparing the earreach for the play, and position the scene. As the play is set in Brooklyn, New York near years afterward the great depression, many references ar do already at this early stage to estimationlism and the American dream; the do-or-die(a) and yearning vision of many Americans at that time of a better life.\r\nThis permeant theme becomes apparent formerly regular to the introduction of the characters, as the mere setting and props act as typic elements, which reflect this motif. Miller however subliminally makes it lucid that this dream is purely an illusion, through symbolic phrases in his stage directions such as ‘rising out of reality’ and physiologic representations, for instance the broken boundaries where ‘characters enter or leave a room by stepping through a wall onto the apron’ which create an aura of delusion.\r\nThe first stage directions include a melody compete on a flute, ‘telling of locoweed and trees and the horizon’. This natural imagery include three physical elements accompanied by the soft and harmonious sound, sets a serene tone which is then highly position with the following depiction of the put forward and it’s neighborhood, featured with darkness and hostility.\r\nThis heavy blood line may be symbolic of the date between the dreams to which the indiv idual aspires and the actual rigourousness of society’s reality. The description of the contact cluster of a divorcement blocks seems almost to obligate a greater prominence than the house itself, as this is the first thing the audience ‘becomes aware of’. The tall and ‘angular’ project of Manhattan that lies in the backdrop has expressionistic features and surrounds the Loman house in a way that suggests some metaphorical form of oppression or confinement.\r\nThe ‘glow of orange’ that falls upon the ‘fragile-seeming’ house is personified as ‘angry’, perhaps reflecting the inappropriate times in which the play is set. This envelop and intimidating hostility is in part what makes the home appear so fragile, a fragility that may represent weakness in family bonds or equally, weakness in he who represents the house, condemning him immediately to the component of a tragic protagonist. Willy clings to his dre ams just as ‘an air of the dream clings to the place’.\r\nThis idea becomes present again in the description of Linda’s feelings towards her husband and his traits. ‘his massive dreams’ are the source of his tragic nature, dreams that he shares with the anticipate of society, but that for him become an unhealthy obsession. Willy is goddam with the incessant desire to pursue his dreams ‘to their lay off’ and these words forebode a helping that unfolds as a result of this fixation.\r\n boilers suit the opening of this play provides the audience with a sense of the themes that will permeate throughout, by cleverly using stage schemes and elements that adumbrate profounder significance of what is to come.\r\n'

'International Marketing Research Challenges Essay\r'

'INTRODUCTION\r\nDue to global financial have intercourse ins in the recent months, consumer confidence is starting m in the more than(prenominal) unquestionable commercialises such as Japan, the US and Europe (AFP, 2012). thence growing commercializes, such as the Australian marketplace, be looking towards emergent markets where the markets afford remained dynamic and rich in egression opportunities. This is be effort rising markets â€Å" dedicate reached a borderline level of GDP and argon in the growth level of the development rung” (Pearson Education, 2012), further refer able to this growth phase these markets are still vulnerable to twain internal and external forces. With umpteen companies world-wide extremity global growth opportunities, it has never been more master(prenominal) for world(prenominal) merchandise enquiry to be packed in order to full understand the consumers of these markets (Greenland, 2011). This growth of rising ma rkets has presented a number of ch on the wholeenges for global trade inquiryers including differences in explore costs and similarly environmental differences such as differences in socialisation and point laboriousies in colloquy and engine room.\r\naltercate 1 †RESEARCH COST VARIATIONS\r\nConducting explore in a disparate country, oddly one that is classified as an emergent market, bottomland create more issues for international market investigateers. For example, Greenland (2011) talked about how the expense of expatriateing interrogation in appear markets, such as Africa, is usually such(prenominal) spiriteder than when compared to projects demeanoured in developed countries. Even though roughly of these issues may be catered for at the mean coiffure, numerous of these issues are unpredictable and tolerate occur at any stage throughout the investigate project, creating a high chance of the project going over budget. Many positionors including travel costs, currency variation and availability of technology can make a motion the price of market enquiry. However due to the fact that creative research approaches are needed in rising markets, these higher(prenominal) prices may non be able to be overcome without a big money of research and understanding of the heathen and economical norms of the emerging market country (Craig and Douglas 2005).\r\nAs closely as culture and economics be a factor in the high cost variations associated with research on emerging markets, the fact that infrastructure and technology is significantly limited too creating many issues to market researchers. This is be acquire limited technology significantly limits the number of options the international market researchers admit access to in order to apportion their research. No or limited technology means that most market research will need to be conducted personal. Having to conduct research face-to-face in emerging markets can de liver extra expenses in the form of travel and extra mental faculty when compared to virtual interactions such as online surveys. This is because in many of these emerging markets, for example Africa, â€Å" scurvy road networks, lack of direct flights, and the wide distances involved” (Greenland 2011) make it extremely difficult to reach these rustic areas.\r\nAs swell up as being time consuming, this is also a costly process with both transportation and accommodation needed to be taken into account. With these face-to-face interactions comes the problem of being able to communicate with participants who are in all likelihood to speak a diametrical row. On aimion to overcoming this problem is to train local multitude within the emerging market to conduct the research on behalf of the international market researchers. However, this approach is only a viable option if there are no time constraints due to the fact that it is likely to take a bundle of time to train t hese new tribe and make them understand what the researcher is act to fall out out. International market research can cost a muckle more than when conducting research in a developed market, however businesses that are abstracted to invest in emerging markets mustiness plan for these extra costs if they want their new venture to succeed.\r\nCHALLENGE 2 †CULTURAL DIFFERENCES\r\nE truly country has their induce distinct ethnic rules which can cause great confusion and problems when trying to conduct market research in a country that differs so greatly to your confess country. For example, in Middle Eastern societies where women pick out very different roles to those women living in more western societies. This is why â€Å"the marketing research process should be modify so that it does not conflict with the ethnical values” (Malhotra 2010) of the country in question. In countries such as the Middle East, women are more likely to experience commence reading and l iteracy rates than their western company counterparts. For this reason and many others, face-to-face interviewing seems to be the most viable option for conducting marketing research in these countries (Greenland, 2011). However, even with face-to-face interviews this illiteracy can lead to the respondents not able to formulate their own opinions and all education gained could be biased or non-existent (Malhotra 2010).\r\nFurthermore, the cultural differences in these countries can behave further than just lower education rates, with many other factors affecting the port research must be conducted in these emerging countries to be effective. For example, many Arab cultures interdict their women to have contact with non-family males, which can cause problems with allowing male researchers to conduct face-to-face interviews (Greenland 2011). A solution to this problem could be education female person researchers to conduct the research when female interviewees are needed.\r\nHow ever as well as this being possibly hazardous and deadly to the female, in many developing countries females are the bottom class and are seen to only do household duties, hence a job would be against cultural beliefs. The extent of the products currently available in the emerging markets is another cultural issue that researchers must face when wanting to introduce a product. Malhotra (2010) suggests researchers need to look at the public’s attitude towards advertising, the judicature’s control of the media and the demeanor of consumers when conducting research. exclusively of the previous factors vary within different cultures which furthers heightens the need for specific research methods and ideas for different emerging markets.\r\nCHALLENGE 3 †confabulation AND TECHNOLOGICAL DIFFERENCES\r\nCommunication challenges in emerging markets not only relate to run-in barriers but also differences in technology and cultures. Market researchers may find it very difficult to communicate the more interlacing ideas of their business to research participants in emerging markets where the language barrier is high. There has been a mass of research been into trying to find a way to overcome this problem. Greenland (2009), looked into victimisation visual cues, such as photographs, to forethought the research participants in obtaining a great understanding of what the researcher was trying to convey. Craig and Douglas (2001), suggest the idea of videotaping people and analysing the behaviour find to try and identify consumer buying habits. This however can pose many issues from whether it is sound or ethical to tape people without their knowledge and even whether cultural differences change what we would think a particular behaviour conveys.\r\nGreenland (2009), also duologue about the language barrier when it comes to translating learning from English to Swahili in the form of a questionnaire. The Swahili version of the questionnaire wa s notably continuing than that of the English version which impacts the time taken to conduct the research. While Malhotra (2010) talks about translation from English to German and how the particular meaning of questions were altered when translated, which humiliated the final results. This is a problem that the researchers tried and true and failed to overcome at the time of the research being conducted. Also tying into communication issues is the challenge of conducting research without the technology that developed markets rely so heavily on.\r\n match to Malhotra (2010) the lives of everyday citizens, particularly those in rural areas, of countries such as India, South Korea and many Latin American countries, are so far to be impacted by advances in science and technology.” This, therefore, has an impact on how information is collected and stored and can also have an impact on the type of information a market researcher can collect. These non-existent advances in scien ce and technology not only eliminate internet surveys or discussions but in many countries also eliminate the ability to conduct shout out interviews, with researchers unable to find complete sound directories if the households have access to the telephone at all (Malhotra 2010). With the amount of challenges facing researchers regarding technology, it is oftentimes much more efficient to conduct face-to-face interviews.\r\nCONCLUSION\r\nâ€Å"With the accelerating pace of market globalisation” (Craig and Douglas 2005), emerging markets are in stages becoming of greater interest to large\r\nbusinesses all around the world. To efficiently transmit products in these emerging markets a lot of research needs to be through to fully understand the consumers in these emerging markets in order to effectively market and administer their product. There are many factors that make emerging markets different to sell products in when compared to developed markets including, political differences and even variations in currency. This is why it is so important to understand how to efficiently conduct research in these countries prior to selling goods.\r\nHowever, there are many challenges that face researchers in these emerging markets, including the different costs of research, cultural differences and communication difficulties. These challenges can cause the research to take a lot longer and cost a lot more money than researchers would be used to. However, much research is being done to come up with solutions to combat these challenges which will hopefully make it increasingly easier for businesses to invest in emerging markets in the future.\r\nREFERENCES\r\nAFP 2012, come on sweet on emerging markets, The western hemisphere Australian, viewed on 22nd June 2012, <http://au.news.yahoo.com/thewest/business/a/-/business/13484436/nestle-sweet-on-emerging-markets/> Craig, C. S. and Douglas, S. P 2005, Future Directions in International Marketing Research, C hapter 15 in International Marketing Research, 3rd Edition, magic trick Wiley & Sons, viewed 22nd June <http://ezproxy.lib.swin.edu.au/login?url=http://onlineres.swin.edu.au/411008.pdf> Craig, CS and Douglas, SP 2001, Conducting international marketing research in the twenty-first century, International Marketing Review, Vol. 18 Iss: 1, pp.80 †90 Greenland, S. J 2011, Challenges of researching consumers in emerging markets. Marketing in the age of consumerism: Jekyll or Hyde?, Australian and New Zealand Marketing honorary society Greenland, SJ 2009, Visual Research for Segmenting Emerging Markets, transactions of ‘Sustainable Management and Marketing’, Australian and New Zealand Marketing Academy gathering (ANZMAC), Melbourne, Victoria, Australia, 30 November †02 December 2009, viewed 19th June 2012\r\n'

'Report in Delta Life Insurance Company\r'

'Executive plusmary The development of a country dep blocks up on the merge development of wholly infrastructures equivalent-agricultural sector, industrial sector, pecuniary sector, technological sector etc. exactly developing whole these structures is non easy. A lot of troubles and threats always hinder and bedevil difficulties to success. The most difficult problem is fiscal risk. So if it is feasible to lead pecuniary protection and so most of the geomorphologic development whollyow for be possible with minimal essays. And the most thoroughly cognize practical method for handling financial risk is restitution insurance policy indemnity.Delta spiritedness restitution form _or_ system of government federation restrained was incorpo esteemd in November 10, 1986 and is chiefly eng bestrided in median(a) feeling (OL), sort indemnity (GI), comfortablyness indemnification (HI) origin and non- handed-down micro redress fear to a lower place the name of Gono-Grameen Bima (GN-GRB). The Comp what forever is a publicly traded Compevery and its sh bes atomic scrap 18 careened on the Dhaka crinkle Exchange and Chittagong Stock Exchange. However, we devote prep atomic number 18d this embrace on Delta smell restitution Co. Ltd, which is angiotensin-converting enzyme of the increase and prospective insurance companies in the insurance fabrication.The comp twain is providing protection and financial warrantor to the nation, whilst adding sh atomic number 18holders nurse thought customer everywherehaul excellence. By the way of examining and evaluation the functions and mathematical process of Delta living insurance Co. Ltd, we tried to instance a true scenario of insurance industry of Bangladesh. Our repute topic is ? Over all Activities Delta spirit form _or_ system of government Co. Lid?. So, to get an veracious realization ab step forward Delta look insurance policy Co. Ltd. staple fibreally, we emphas ize on beneath(a)writing process & adenosine monophosphate; learn narrow downtlement issues of Delta bearing policy Company. 1. Introduction: 1. Origin: As we argon the student of business administration we induce been authorized by our guide t to individually aneer to prep be a report on the activities of Delta heart restitution Company pre conside localizeness to the customers and their underwriting process and claim dependency. 1. 2 Objectives of the report: 1. 2. 1: Broad Objectives: A great objective is to find come erupt of the closet the boilersuit activities of Delta invigoration dam jump ons Company ltd and the social function of underwriting processes and claim settlement issues 1. 2. 2: specific Objectives: 1. To subscribe a legal brief idea slightly insurance industry and their polity and forces 2.To find out their services. 3. To find out the opposite products. 4. To find out the different types rates. 5. To find out the different types conditi on 1. 3 Scope: To find out the overall activities & deoxyadenosine monophosphate; accounts de disseverment of Delta look amends Company ltd we guide visited Motijheel adept out of Delta smell insurance compny. 1. 4: methodological analysis: * Primary entropy: Primary data was absorbed with the help of in prep atomic number 18ation minded(p) by M. Mosharaof Hossain, Assistant vice p house physician, Delta conduct insurance company * Secondary Data: Secondary data was collected anatomy the followers sources: * Websites Books regarding insurance * Articles on insurance policies 1. 5: Limitations: In this by headway magazine, we have tried to drop dead our maximum effort to stomach the information about the rack up activities of Delta brio policy Company ltd. several(prenominal)(prenominal) drawbacks that appeargond at the measure of preparing the report and hindered the hail work process ar as under: Time statusinus ad quem: The limitation of this study involve d limited clip frame that was for sale for completing such an in-depth report. Our semester consists of four month.Within this time most of the teachers give the subsidisation or report afterward(prenominal) mid bourn exam and we are required to prepare and submit assignment or report at bottom this succinct time. As a result we had to whiz out time for preparing report for our courses. As a partial ful studyment of our course we as well required to prepare this report inwardly short time. So it was hard to cope tis assignment covering all alpha matters . Other limitations: * One of the main barriers of the report was the confidentiality of the data * Not able to collect information from the source. It was difficult to include all the information to prepare a strait-laced report Company Backg smooth have-to doe with, deal out, launch date & angstrom unitere; well-nigh dustup Delta liveliness restitution Co. Ltd. naturalised mainly through the initiative of a separate of Bangladeshi professionals then working overseas on with a few anxious local entrepreneurs, started its operation in December, 1986 after the Government of Bangladesh allowed the idiosyncratical sector to point in the insurance sector in 1984 to carry on the business of insurance in the Private Sector. A brief ex architectural inventionation as to the growth of deportment insurance business in Bangladesh is in order here.Bangladesh declared independence from the Pakistani rules on March 26, 1971 following which she had to come across a bloody liberation get by with the occupation forces oddmenting for 9 months in front they were defeated. insurance policy business which was exclusively carried on in private sector ahead independence was nationalized after liberation in 1972 primarily to distribute the emerging property of eroding public confidence in the industry that was left staggeringly short of resources in the face of huge losses caused by the war of liberation. by and by a serial of experimentation, a state-owned body, that is to say Jiban Bima Corporation (JBC), open in May, 1973 for transacting the carri suppurate insurance business, took over the assets and liabilities under bearing portfolios of all erst temporary hookup(prenominal) private insurance companies and started business in its own name. However, things did not improve; rather, in many an(prenominal) respects became more aggravating and the Government then thought it slang better to allow private sector conjunction in insurance business.Since inception, Delta Life set earlier itself a high normal of all close to performance co edgeinous with professional soundness and proficiency. It soon make a mark in the smell insurance arena by not save being the leader among the private sector autochthonous companies, exactly by under fetching and success overflowingy implementing innovative and eudaimonia oriented life insurance schemes. It introdu ced an legions of conventional life and conclave insurance products †many of which were the outset in Bangladesh. For the air-off time, health insurance products were in any carapace introduced by Delta Life.But more importantly, in fulfilment of the avow commitment towards social development, Delta Life for the rootage time not exclusively in Bangladesh but probably in the World, devised and introduced micro-life insurance-cum- nest egg products particularly suited to the deoxidises and pockets of suffering passel of the country who constitute more than 80% of the people of Bangladesh Two come acrosss of the company namely Grameen Bima for the rural people and Gono Bima for the poor and bare(a) savers of the urban realms were initiated to devote themslave exclusively to marketing and management of these innovative products.We are prosperous to report that we have achieved a trus cardinalrthy measure of success although there is a long way to go. These sche mes that we have introduced have created great stir and enthusiasm among the customary mass who, before these foresees started functioning, could not blush dream of owning a indemnity that trys the a lot needed life insurance reportage along with facility of rhythmic savings on a long- verge basis. At a later stage i. e. in the division 2002, the projects were incorporated into a part of Delta Life, namely, Gono Grameen Bima Division.The GNGRB Division has been growing at a archetypical rate of more than 25% p. a. for the last couple of the eld and is hover to maintain this growth rate at to the lowest degree in the next louver historic power point or so. Vision To be a market leader in providing integrated total credentials clients service, to be an innovative, profi circuit board, customer friendly with a humanswide focus. Mission: Create unmatched rank for everyone through dependable, legal, transparent and profitable life insurance and tribute inventions .Objectives of Delta life restitution company: To take mission the humanity for its well being in the present and the world hereafter by providing financial and moral gains through utmost comfortably faith, close conduct, mutual trust, sincerity, integrity and personalized services. hollo of Main Branch: * Delta Life policy Co. Ltd * Gouse Pak grammatical construction (5th Floor) * 28/G/1, Toyebee Circuler street * Motijheel C/A, Dhaka Ph: +88 02 9560407 Branches Branches /offices/service center/zone| Address |Dhaka proceeds Center| * Gouse Pak Building (5th Floor) * 28/G/1, Toyebee Circuler Road * Motijheel C/A, Dhaka * Ph: +88 02 9560407| Comilla Service Center| * Gani Bhuiyan Mansion (3rd Floor) * Monohorpur, Comilla * Ph: +88 081 68796| Rajshahi Service Center| * C & antiophthalmic factor; B More * Kajihata, Rajshahi * Ph: +88 0721 770693| Chittagong Service Center| * Ajmol Arcade (4th Floor) * 1806, beau Mujib Road * Agrabad C/A, Chittagong * Ph: +88 031 713059| Bari sal Service Center| * Ahsan Plaza (2nd Floor) * Bot Tola * Nobogram Road, Barisal * Ph: +88 0431 64306| Dhaka Metro ZOC| * Baitul abed Tower (10th Floor) * 53, Purana Paltan * Dhaka * Ph: +88 02 9570324| Chittagong ZOC| * 119/120, Mirzapur * Muradpur, Chittagong * Ph: +88 031 656333| Barisal ZOC| * Shahida Villa (3rd Floor) * Bogra Road, Barisal * Ph: +88 0431 62943| in that location are so many branches existing in Bangladesh. We don’t want to include those. Board of Directors electric chair Mr. Monzurur Rahman Directors: * Mr. Aziz Ahmed * Mr. Kazi Fazlur Rahman * Mr. Borhanuddin Ahmed * Ms. Anika Rahman * Mrs. Adeeba Rahman * Mr. Zeyad Rahman * Mr. Md. Mujibur Rahman * Mr. Md. Abdul Wahab * Mr. Arif Ahmed * Mr. Md. Nurul Islam * Mr. Golam Sarwar * Mrs. Syeda Soyeli Ahmed * Ms. Saika Rahman 2. 1 citizens military commissions of the Board Audit Committee Chairman * Mr. Aziz AhmedMember * Mr. Borhanuddin Ahmed * Mr. Md. Mujibur Rahman * Mr. Zeyad Rahma ——̵ 2;—————————————- Delta life insurance Co. Ltd Organogram of Delta Life indemnification Company Ltd Chapter-02 Performance outline command Accounts (Provisional and Unaudited) `( enumerate In Crore Tk. ) General: Particulars| 2010| 2009| 2008| 2007| 2006| origin socio-economic class gift| 120. 51| 107. 40| 95. 32| 82. 30| 85. 40| replenishment adenylic acidlitude| 342. 91| 302. 83| 266. 79| 245. 00| 207. 60| separate Insurance bounteousness| 21. 28| 19. 94| 16. 17| 10. 60| 8. 32| wellness Insurance gift| 14. 42| 10. 68| 5. 22| 3. 29| 2. 66| Gross superior| 499. 12| 440. 85| 383. 50| 341. 9| 303. 44| Growth over Previous socio-economic class| 13. 22 %| 14. 95 %| 12. 40 %| 12. 44 %| 17. 84 %| Investment Income| 298. 95| 180. 99| 127. 99| 112. 00| 89. 66| Income from Other Sources| 5. 89| 4. 87| 4. 83| 2. 61| 1. 41| caution spending Particulars| 2010| 2009| 2008| 2007| 2006| Commission Expen se| 91. 16| 80. 36| 69. 35| 62. 67| 63. 67| Admin Expense| 68. 69| 62. 34| 56. 40| 50. 26| 44. 45| Management Expense (as % of gross premium)| 32. 03| 32. 37| 32. 79| 33. 10| 35. 63| withdraws Particulars| 2010| 2009| 2008| 2007| 2006| Number of Claims| 149051| 156444| 214301| 151523| 59567| add of Claims| 223. 54| 204. 80| 243. 40| 175. 81| 89. 85| OthersParticulars| 2010| 2009| 2008| 2007| 2006| Assets| 2,180. 23| 1,755. 61| 1,473. 62| 1,325. 25| 1,129. 92| Life ancestry| 2,034. 95| 1,619. 00| 1,347. 01| 1,206. 07| 1041. 44| Chapter-03 Number of policies 1. banausic Life Insurance 2. Gono Grameen Bima 3. crowd Life Insurance 4. health Insurance Chapter-04 chthonian †writing process & international ampere; claim settlement process: 4. 1: Ordinary Life Insurance Delta Life offers a wide variety of ordinary life product/ schemes ranging from the most super acid gift type to more agencyrn and ripe plans similar gift with open term, tribute plan with built in supply for increase grant, increasing protection with furnish for premium refund etc.The plans have been intentional keeping in view the versatile and multifaceted ineluctably of the insuring public belong to different strata of the society. Some of the popular plans are briefly described below. 4. 1. 1: talent plan with and without profits: The most harsh and widely popular, this plan provides for a stiff core at end of a particular term or at earlier destruction of the sensible. The plan is in stock(predicate) under both options i. e. with profit and without profit. This is a straightforward coverage allowing a person to plan his future needs for protective covering and projected savings through centre of insurance. eds for security and projected savings through means of insurance. 4. 1. 2: One-two- iii talent plan with profitsThis plan provides for high security at earlier terminal of the apprised before going of term (10 & 20 eld) or the nubble cognizant at ex piry of the term. The plan provides for image the correspond conscious at ill-timed termination collectable to illness or treble the amount of money advised if destruction occurs directly as the result of an incident along with accrued motivatores boulder clay destruction or maturity as the graphic symbol whitethorn be. 4. 1. 3: Installment wages plans with or without profit: a) Three wagess plan Given for harm like 12, 15, 18, 21 divisions with or without profits this plan provides for one fourth of the trade union aware upon expiry of each one tierce of the term and on terminal at anytime within the term the plentiful coupling total assure †defrayment of one or all the installments notwithstanding.In fictitious character of endurance to the end of the term remaining bunch of the content certain along with profits is remunerative after deducting the installments already nonrecreational. b) Bi-annual payment plan is given for 10, 15 & 20 lo ng time term and provides for payment of a portion of sum assured bi-annually after expiry of the 4th year of the policy, if the policyholder is then living. The amount of money of installment and when account payable is shown in the table below: form _or_ system of government marches| count of Installment| When Payable| trade union conscious Payable on Maturity| 10 days| 20%| Upon expiry of 4th, 6th, eighth age| 40%| 15 old age| 15%| Upon expiry of 4th, 6th, 8th, 10th twelfth years| 25%| 20 old age| 10%| Upon expiry of 4th, 6th, 8th, 10th, 12th, 14th, 16th ; eighteenth years| 25%|Notwithstanding the payment of any number of installments, the policyholder remains cover for full risk and on cobblers last occurring before maturity, full sum assured is payable. * The higher numbered table refers to without profit premium rates. 4. 1. 4: grant back term Insurance intent without kales These are comparatively low monetary lever plans. These plans provide for payment of sum a ssured in case of ill-timed death within the term or refund of all premiums gainful at end of term. below Table-59(A), sum assured keeps on increasing at 8% p. a. on each successive policy anniversary and such increased sum is gainful at death during the term. On survival up to the end of term, all premium compensable during the term is remunerative. infra Table-65(A) a guaranteed profit advert to 10% of sum assured is paid along with full premium at end of term as survival hit. On death before maturity, the sum assured is payable. 4. 1. 5: Pension invention (Table-72A, 72D) without profits. Under plan pensions are provided at quarterly intervals from an age designated by the policyholder for life, guaranteed for a stripped finis of 10 years i. e. if the pensioner dies anytime within 10 years his designated nominee will get pension for remaining term of 10 years. to begin with pension starts, if the assured policyholder dies, 10 clock the annual pension is paid as a lum p-sum to his nominee and the policy is end upon such payment.There is some other plan that while providing for full protection against premature death as described above, provides for pension from a designated age as elected by the policyholder at an increasing rate i. e. pension will increase at 10% at intervals of two years. Payment of pension is guaranteed for at least ten years and thereafter as long as the pensioner lives. Both these pension plans provide for waiver of premium in case of permanent and total disability due to mishap before commencement of pension. 4. 1. 6: Child Educational Protection course of study with Profits fivefold emoluments in the form of scholarships, periodical annuities etc. in sum to sum assured are forthcoming under these plans.Under one plan sum assured or a part thereof is also payable to the policyholder in case the child dies prematurely. 4. 1. 7:. Tri-dimensional constitution Built-in wellbeings for payment of 50% sum assured spee dyly if critical illness is diagnosed. subvention and the sum assured will thereafter be halved and the policy continues. Under this plan, a spouse whitethorn also be covered for major affection eudaimonias. 4. 1. 8: Moving bound end Policies under the plan are ab initio issued and is to be taken for a minimum term (6 to 10 years) as elected by policy holder. Any time within this minimum term if death occurs, full sum assured is payable. At the expiry of the minimum term, the policy may be surrendered for full refund of premiums paid.However, the policyholder need not terminate his policy at end of the minimum specified period. The policy will automatically continue till age 65 years of the policyholder unless he terminates it earlier. The survival benefit comprises of refund of all premiums paid along with grantes. In case of premature death the nominee(s) is paid the sum assured plus all premiums paid till death, or all premiums paid with profit accrued till death whichever is greater. 4. 1. 9: wizard agio Multiple Security Plan It is a single Premium insurance policy offering fourfold securities for five years term. It covers natural death, permanent and partial/total disability and cardinal major diseases.Premiums are based on the age of the proposer. This plan perfectly suits the needs of the executive class. constitution Conditions * vacate think of: After payment of two full years premium, the policy acquires bullion surrender value which is quoted on request unless stated in the policy itself. * Loan: At any time after a cash surrender value is available under the policy and while the policy is in force, the policyholder may obtain, subject to the companys existing rules, a loan on the policy up to 90% of the cash surrender value. * hop on Proof: duration of life assured as declared while applying for the policy has to be authenticated with an age induction document acceptable to the company.The company reserves the right to require proof of age of the life assured before pay any claim under the policy if not admitted earlier. * Settlement preference:Payee may elect to receive the proceeds of the policy in installments instead of in a single sum, in such a manner as may be agreed upon with the company. * Suicide: Should the life assured commit suicide, whether the assured be then sane or insane, within two years from the commencement date or from reinstatement of the policy, then the obligation of the company shall be limited to the refund of all premiums paid under the policy less indebtedness, if any, at the time of such death. Bonus: Delta Life pays attractive bonuses to its with-profit policies.The present rate of policy bonuses are as following: a) A compound reversionary bonus @ 5% of paid up sum assured. This bonus is not paid on the installments go (under Table-03, 04) from the date of such withdrawal. b) A impartial reversionary bonus ranging from Tk. 10 to Tk. 15 per thousand sum assured per year depending on term. c) A terminal bonus equal to 10% to 12% of sum assured at maturity of policy depending on terms if the policy would have been in force for at least 2/3rd of its term. second-rate set of Bonus On the basis of the three types of bonuses the Company at once pays to its with profit policies, the modal(a) bonus earned by a Tk. ,00,000 sum assured endowment policy ( exclude Table No. 03, 04) per thousand sum assured per year shall be as following: Term of Policy| do Bonus at Maturity| Average Rate per Thousand per S. A. year| 10 geezerhood| Tk. 52,000. 00| Tk. 52. 00| 15 Years| Tk. 81,000. 00| Tk. 54. 00| 20 Years| Tk. 1,1 calciferol0. 00| Tk. 58. 00| | | | | | | | | | | | | 4. 2: Gono Grameen Bima Delta Life get-go launched Micro-insurance product in 1988 through its Grameen Bima Project(GRB) to offer to the necessity of economic protection against premature death and of disability as well as providing a way for regular savings for the poor and low income group of people living in villages.Later it started another project in 1994, namely, Gono Bima(GNB) for the urban poor and the low income class. These projects are now merged under the name of Gono-Grameen Bima Project(GN-GRB). The initial problems apart, the project started to yield impressive results right from the prototypic gear by creating great interest among the site population who could not even distinguish an institutional arrangement through which the ever present problems of insecurity of life could be addressed. To suit the needs and pockets of the target people, and for effectual management of these portfolios, some of the age-old traditional concepts of carrying on life insurance business had to be diluted and in some cases replaced by straightforward and straightforward practices.Yet, the results are so encouraging that Delta Life is now regarded far and wide as the unquestioned leader espousing the cause of welfare of enough millions and its experiences are now us ed to usefulness not only by indigenous companies but also other micro-savings organizations abroad. 4. 2. 1: Target assort and the Product In GN-GRB the formalities are minimum. Insurance turn is given under chemical group Insurance concept. A person interested in a policy submits a simple two-page proposal form; it is signed or thumb imprinted by him or her. There is no need for medical check-up. The person needs to be between 18 and 45 years of age, have a monthly income of Tk. 5,000. 00 (US $100. 00) or less, be of good health and supply a resolving of Good Health (DGH) at the time of submitting the proposal of marriage form. termination through pregnancy complications within the first year of the policy and death through suicide in the first year of the policy are not covered under an â€Å"exclusion clause”. truthful endowment with profit policies are offered for 10 and 15 years term both with premium payment mode being weekly or monthly. Premium rate is the same regardless of age at entry. Besides this plan, upstart plans like three-payment plan with 12 and 15 years term and double protection endowment plan have recently been introduced. 4. 2. 2: Policy Documents Upon acceptance of the proposal, a pass book is issued to the policyholder detailing all terms and conditions of the policy.The pass book serves as the manipulation of recording of all payments made by him towards the policy. There is one group policy document for the policyholders of each Thana or Block. For individual policyholders the passbook serves as policy document. 4. 2. 3: Micro Investment (Loan) GN-GRB gives small project loans to its policyholders on a group liability basis. No collateral is required. There is 20% service charge on the loans, which is work out at a flat rate and added to the principal amount. The loan, together with the service charge, is repayable in 12 equal monthly installments. The repayments are collected from entrée to door by the or ganizers. Recently a finish has been taken to establish small solicitation booths in the villages.A person must be a policyholder and pay premiums for atleast one year before being eligible for a loan. The maximum loan given is Tk. 5,000. 00 (US $100. 00) per policyholder. The loans are for income generating activities (IGA) only. Policyholders form a committee of 5 to 7 members. 3 policyholders selected by the committee are given the first loan. After recovery of 3 installments from each of the first three borrowers, the next 3 are given their loans and so on. As a general rule, 60% of the premium income of an area and 40% of the repaid loan of an area are available for loan in that area. in addition 100% of premium collection of a committee is available for loan to that committee. 4. 3: assort Life Insurance host Life Insurance congregation Insurance is an instrument for providing life insurance coverage (protection) to a number of individuals under a single capture (policy ) who are associated together for a common interest other than insurance. It is the most cost effective means to provide immediate financial support to an ascertain member and/or his family in case of annihilating events like-death, disability, disease as well as hideaway. free radical Insurance has already established its importance as a helping of â€Å"Employee wellbeing Package” in Bangladesh. liquid ecstasy features of root Insurance are: * Insurance coverage to a number of individuals under a single contract * Simple insurable conditions * Easy administrative summons * prompting claim settlement inexpensive premium * Tax exemption on premium Delta Life offers a multitude of Group-Life Insurance schemes from which an organization/ employer may convey for benefits of its members/employees, as may best serve their interest tally to organizational setup. To be treated as a group, the following criteria need to be fulfilled. * A â€Å"Group” Should compr ise of at least 15 members * It should be a legitimately unionized body Group clients of Delta Life Insurance Company Limited include: * Semi-Government organization, self-reliant bodies * Private, Non-Government Organizations (NGOs) * Educational & Financial Institutions * usual Limited Companies Associations, Business organizations etc. Group Life Insurance lineations offered by Delta Life are of two types: * Traditional Schemes: For insurance coverage of members/employees of a Group * single(a) Schemes: For insurance coverage of clients of Financial Institutions 4. 3. 1: Traditional Scheme: These are the usually offered â€Å"Group-Life Insurance” schemes and are also cognise as prefatory Schemes: These are: pathetic Term buzz off * Group Term Life Insurance Scheme (GT) * Group Term Life with Premium yield Scheme (GTR) Long Term Contract * Group Endowment Life Insurance Scheme (GEN) * Group Pension Scheme (GP) There are several variants of Basic Schemes.Examp les of two variants of GTR are * GTR-100/10: Group Term Life with 100% Premium revert after 10 years * GTR-50/10 : Group Term Life with 50% Premium repayment after 10 years Salient features of the Basic Schemes: Group Term Life (GT) * Insurance coverage worldwide round the clock * Contract, Initially for three years and is renewable * Simple Claim procedure * Prompt claim settlement upon death of an ensure * pickaxe to convert sum assured at any time * animadversion & inclusion body of members under coverage at any time * Premium Rate- comparatively lowest among the canonic schemes * survival of the fittest for supplementary covers to enhance benefit * Profit Sharing options for ample groups Group Term Life Insurance with Premium Refund (GTR) Insurance coverage worldwide round the clock * Contract, initially for ten/ cardinal years * Simple Claim procedure * Prompt claim settlement upon death of an see * Exclusion & inclusion of members under coverage at any time * Reasonable Premium Rate, but higher than GT Scheme * Refund of basic premium (full/partial) on completion of term or retirement * Payment of Surrender encourage in case of Policy discontinuation & exclusion * novelty allow to take Individual Life Insurance Policy in piazza * Option for supplementary covers to enhance benefit Group Endowment Life Insurance (GEN) * Insurance coverage worldwide round the clock Continuous Contract, unless terminated by either party * Simple Claim procedure * Prompt claim settlement upon death of an insured * Exclusion & Inclusion of members under coverage at any time * Premium rate-age restricted and variable * Payment of sum assured as per contract on retirement * Payment of Surrender Value in case of discontinuation * Conversion Privilege to take Individual Life Insurance Policy in lieu * Option for supplementary covers to enhance benefit Group Pension Scheme * Provides for quarterly/ p.a. pension based on last salary * Continuous Contr act, unless terminated by either party * Scope for taking â€Å" close in Service” benefit Scope of taking â€Å"Joint life last survivor pension” benefit * Scope for life pension with/without guaranteed payment period * Exclusion & Inclusion of members under coverage at any time * Premium rate- age dependent and variable * Payment of Surrender Value in case of discontinuation * Option for supplementary covers to enhance benefit | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Features& realizes| Basic Schemes| | Group Term Life (GT)| Group Term Life with Premium Refund (GTR)| Group Endowment Scheme(GEN)| get along Limit for  Insurance coverage| 18 years to 60 Years| 18 years to 60 Years| 18 yrs. to the age of retirement (max. 60 yrs)| term of  Contract| 3 years in each spell| 10 years or 15 years in each spell| Continuous Contract, if not terminated| Scope for Inclusion & Exclusion| Yes| Yes| Yes|Scope f or Inclusion& Exclusion| Yes| Yes| Yes| Scope for Alteration of Sum Assured| Yes| Yes| Yes| Premium Rate| Single & Fixed (irrespective of age humbled}| Single & Fixed (irrespective of age)| multivariate; age hooked premium rate| profits:| Death (payment of Insured amount on death)| Yes| Yes| Yes| Maturity Benefit| none| None| Payment of Sum Assured as per contract during retirement| Premium Refund| None| Refund of Premium as per contract on retirement or completion of term. Payment of surrender value in case of non completion of term| None| Profit Share| Provided to large groups only| None| None| On Payment of Additional Premium 1.Accidental Death Benefit (ADB) 2. permanent wave Total check (PTD) 3. Permanent overtone Disability (PPT) 4. dismemberment Benefit (DB) 5. Major Disease Benefit (MDB)| All or any one of those may be taken pull out DB which is offered only with ADB| All or any one of those may be taken except DB which is offered only with ADB | All or any one of those may be taken except DB which is offered only with ADB| | | | | Supplementary Covers: To provide insurance protection against few devastating conditions other than death, and to enhance insurance benefit in case of abrupt inadvertent death, several Supplementary Covers are offered along with basic schemes.Supplementary covers include: * Accidental Death Benefit (ADB): Provides for double sum assured in case of accidental death. * Permanent and Total Disability Benefit (PTD): Provides for full sum assured on misadventure of defined risks. * Permanent & Partial Disability Benefit (PPD): Provides for certain piece of the sum assured as per inscription on happening of the defined risks. * taking apart Benefit (DB): Provides for a certain part of Sum Assured as per history on happening of the defined risks. It is only offered with ADB. * Major Disease Benefit (MDB): Provides for 25% or 50% of S. A. upon diagnosis of a few specific life impenetrable di seases 4. 3. scoop Schemes: These are schemes, especially intentional for financial institutions, in order to unattackable their investment and adorn the product to make it attractive to customers as well as to protect interest of the client. Few examples are: * Home Loan Insurance: e. g; Scheme for â€Å"Home Loan Borrowers” of Delta Brac caparison * Depositors Insurance: e. g; Scheme for â€Å" skilful Plant” Depositors of Dhaka Bank Ltd Premium: For traditional schemes: Premiums are usually payable annually in advance before commencement of insurance. For exclusive schemes: A single premium is payable for the whole period of coverage before commencement of insurance. * detail about the schemes are provided with â€Å"Insurance scheme” How to get a Group Life Insurance suggestion? For device: fill in the Proposal signal miscellanea and send it to us at our contract address For Quotation: fill in the â€Å"Proposal Request traffic pattern” and send it to us at our contract address go with by the list of members to be insured with following details | | | | | |   Sl#| Name| Designation| Date of have a bun in the oven| Sum Assured| | | | | | |  |  |  | *If sum assured depends on salary, mention salary and desired quadruple to determine Sum Assured Claims are settled to the concerned organization. 4. 4: Health Insurance Health Insurance Health Insurance is now considered indispensable in developed countries.In the present financial-social perspective of Bangladesh as well, Health Insurance has now mystify an essential, dependable, acceptable and the most cost effective means to make the modern discussion facilities affordable to all socio-economic classes of people, especially the quick-frozen income group. As a pioneer of Health Insurance in Bangladesh, Delta Life Insurance Company offers several Health Insurance Schemes, which are as follows: 4. 4. 1: hospital care (In-patient) treatment coverage plans * hospitalisation Insurance Plan (Group)- offered to Members of a group and their dependants (if desired) * hospitalization insurance Insurance Plan (Individual) †offered to an Individual as well as his or her dependant family members also known as â€Å"DeltaCare hospitalization insurance Plan”. 4. 4. : Out-patient treatment coverage plans * Out-patient Insurance Plan †Offered as an adjunct to Group hospital care * Out-patient Management Plan †Offered as an adjunct to Group infirmaryization 4. 4. 3: afield treatment coverage plan for travelers * abroad Medicliam Policy (OMP) †A pre-requisite for endorse applications programme offered only to Individuals traveling abroad. 4. 4. 4: Hospitalization Insurance Plans * Covers in-patient (Hospitalization) treatment expenses of an insured member Expenses Covered under Hospitalization Insurance Plans * Hospital Accommodation * address tumble * Medicine ; Accessories * Medical Investigations * functional Ope ration Ancillary Services like Blood Transfusion, Ambulance Service, Dressing etc. General Features of the Scheme * No need for preliminary Medical Examination during enrolment. * intercession coverage round the clock inclusive of Accidents and Emergencies. * reportage offered to Bangladeshi National as well as resident foreigner. * Treatment at any renowned hospital or clinic by consultant of own choice. * discriminatory service at Designated Hospital. * Direct payment of treatment expenses by the company at Designated Hospital. * Reimbursement of expenses for treatment at non-designated hospital. * Membership ID bill sticker for each insured to facilitate invidious services. Option for Maternity Benefit and Overseas Treatment coverage. * Provision for inclusion of match ; Children under the plan. * Provision for inclusion of new member under the plan. * Coverage up to 65 years under Group HI ; 60 years under Individual HI plan. * Two types of plans with several benefit grade s to ingest from. * Option to choose more than one grade according to status of the members of a group. * Option to alter benefit grade during renewal. Exclusion from Coverage: Major Exclusions include * Congenital indisposition * Pre-existing condition for certain period * Psychiatric disorders and narcotic addiction * essay suicide and self-inflicted injury * Dental Treatment Pre or post hospitalization expenses and out patient treatment expenses * War risk, cultivated commotion or violence * number health checkup * Treatment for family training purpose, contraception and infertility 4. 4. 5: Group Hospitalization Insurance Plans Types of plan offered: streamer Plan: Distinctive Hospitalization Insurance Plan of Delta Life Customized Plan: tailored to the need and desire of the client. Standard Plan: Five Grades of benefits are offered under received plan to choose from Benefit per Hospitalization| Benefit Grades| Mastercare| Supercare| Deluxcare| Exclusivecare| Royalcare | Max. Benefit ( individually Insured Per Year)| Tk. 25,000| Tk. 45,000| Tk. 5,000| Tk. 100,000| Tk. 140,000| Hospital Stay ( utmost days)| 10| 12| 15| 18| 20| Room countercurrent (Actual expenditure upto a Maximum Amount Per Day)| Tk. 500| Tk. 1,000| Tk. 1,500| Tk. 1,800| Tk. 2,000| Consultation Fee (Actual Fee upto a Maximum Amount Per trim down ; One Visit Daily)| Tk. 300| Tk. 500| Tk. 500| Tk. 500| Tk. 500| bite Investigations (Actual wasting disease upto a Maximum Amount)| Tk. 1,000| Tk. 1,200| Tk. 1,400| Tk. 1,600| Tk. 2,000| Medicines ; Accessories (Actual intake upto a Maximum Amount)| In pillowcase of Surgical Treatment| Tk. 2,000| Tk. 4,000| Tk. 6,000| Tk. 8,000| Tk. 10,000| In role of Conservative Treatment| Tk. ,000| Tk. 10,000| Tk. 12,500| Tk. 15,000| Tk. 18,000| Surgery (Actual Expenditure upto a Maximum Amount)| Major negociate| Tk. 12,000| Tk. 14,000| Tk. 16,000| Tk. 20,000| Tk. 22,000| Charges included for Surgeon, Assistant, Operation Theater ; anaesthesi a| Tk. 6,000| Tk. 8,000| Tk. 10,000| Tk. 12,000| Tk. 15,000| Ancillary Services (80% of Actual Expenditure upto a Maximum Amount)| Tk. 2,000| Tk. 5,000| Tk. 8,000| Tk. 10,000| Tk. 12,000| Premium (For each insured per year) based on Age Attained (in Years) Benefit Grades| Master care| Super care| Delux care| Exclusive care| Royal care| 18 to 35 Years| Employee| Tk. 600| Tk. 1,080| Tk. ,535| Tk. 1,920| Tk. 3,360| Spouse| Tk. 510| Tk. 920| Tk. 1,310| Tk. 1,630| Tk. 2,855| 35+ to 45 Years| Employee| Tk. 750| Tk. 1,350| Tk. 1,795| Tk. 2,160| Tk. 3,780| Spouse| Tk. 635| Tk. 1,145| Tk. 1,520| Tk. 1,835| Tk. 3,210| 45+ to 50 Years| Employee| Tk. 1,050| Tk. 1,890| Tk. 2,300| Tk. 2,640| Tk. 4,620| Spouse| Tk. 895| Tk. 1,605| Tk. 1,955| Tk. 2,245| Tk. 3,930| 50+ to 55 Years| Employee| Tk. 1,500| Tk. 2,700| Tk. 3,060| Tk. 3,360| Tk. 5,880| Spouse| Tk. 1,275| Tk. 2,295| Tk. 2,605| Tk. 2,855| Tk. 4,995| 55+ to 60 Years| Employee| Tk. 2,100| Tk. 3,780| Tk. 4,075| Tk. 4,320| Tk. 7,560| Spouse| Tk. 1,785| Tk. 3,215| Tk. 3,420| Tk. ,670| Tk. 6,425| 60+ to 65 Years| Employee| Tk. 3,150| Tk. 5,670| Tk. 6,113| Tk. 6,480| Tk. 11,340| Spouse| Tk. 2,678| Tk. 4,823| Tk. 5,130| Tk. 5,505| Tk. 9,683| Each Child (Below 25 Years)| Tk. 510| Tk. 920| Tk. 1,310| Tk. 1,630| Tk. 2,855| Maternity Benefit (Maximum Amount as per Benefit enrolment above) Benefit Grades| Mastercare| Supercare| Deluxcare| Exclusivecare| Royalcare| Normal Delivery| Tk. 5,000| Tk. 7,500| Tk. 10,000| Tk. 12,500| Tk. 15,000| caesarian Delivery| Tk. 10,000| Tk. 15,000| Tk. 20,000| Tk. 25,000| Tk. 30,000| For Maternity Benefit, an Extra Premium @40% shall be charged on the Basic Premium of the beneficiary groupGroup force out Schedule| sizing of Group| Size of Group| Uo to 100| Uo to 100| ci †500| 101 †500| 501 †gravitational constant| 501 †1000| 1001 †2000| 1001 †2000| 2001 ; Above| 2001 ; Above| No Claim Discount Schedule| No Claim Years| Discount on Renewal Premium| One Year| 10%| Tw o Consecutive Years| 20%| Three Consecutive Years| 30%| | | | | | | | | | | | | VAT if imposed by government, shall have to be paid by the organization concerned. N. B. For large groups a â€Å" furbish up premium rate” irrespective of the age is offered upon recieving the list of members to be insured. Customized Plan Benefit Schedule ; Premium Rate * Benefits desired has to be provided by the client A â€Å"fixed premium rate” irrespective of age is offered on receipt of the list of members to be insured. How to get a Group Hospitalization Insurance Proposal? * For Proposal: subscribe in the â€Å"Proposal Request Form” and send it to our contact address.. * For Quatation: Fill in the â€Å"Proposal Request Form” and send it to our contact address accompanied by the list of members to be insured with following details. Sl#| Name| Date of Birth| * emplacement| Benefit Grade| | | | | | *Status means rank of an employee or his kin with dependant (spouse/ children) Individual Hospitalization Insurance Plan * Bengali Leaflet * Proposal Form Overseas Mediclaim Policy (OMP)This is a distinctive Health Insurance Policy issued to travelers only. It is also a pre-requisite for Visa application of developed countries. The Policy is issued to Bangladeshi Nationals and Foreigners resident in Bangladesh Overseas Mediclaim Policy issued by Delta Life is universally accepted by all foreign Embassies and High Commissions in Bangladesh. Types of Policy * Plan A: For see any Country of the World (except ground forces ; Canada) * Plan B: For visiting all Countries of the World Coverage under both Plan A ; Plan B exceeds €30,000 EURO Key Features of the Policy * Age Limit : Policy issued to Individuals from the age of 6 months to 65 years. Nationality: Policy issued to Bangladeshi and Foreigner resident in Bangladesh * Covered Expenses: Treatment expenses incurred for sudden and unexpected illness or accident while on tour abroad. * Maximum Benefit: * Plan A: US $50,000 (Fifty Thousand US Dollar) * Plan B: US $100,000 (One Hundred Thousand US Dollar) How to take out an â€Å"Overseas Mediclaim Policy” * Fill in a â€Å"Proposal Form”. * Attach photocopy of the first five pages of the passport * Enclose required amount of premium in cash as per â€Å"Premium Rate graph”. Send those these to Health Insurance division at the Head office of Delta Life *Physical presence or movie of proposer is not required. *it takes only about 30 minutes to get an Overseas Mediclaim Policy. â€Å"Proposal Form” is also available at Head Office and operation Offices of Delta Life Insurance Co. Ltd. d\r\n'