IMAGE SAMACHAR

Nepal is an impoverished country whose lack of economic development is directly related to the lack of access to education. Unable to read or write, many Nepalese are unable to advance themselves beyond jobs of menial labor and subsistence agriculture.

Lack of education is a result of many factors. In general, education is neither valued nor accessible in Nepal. Most are skeptical of the usefulness of education, and even those inclined to pursue it find it difficult, if not impossible to do so. The majority of Nepalese live in small rural villages in the countryside where village schools rarely offer classes higher than the sixth grade level. Middle schools and high schools are few and far. Most children who do attend the school drop out before reaching the fifth grade, due to their inability to meet the financial requirements. The financial straits of most Nepalese force education to take a backseat to the more pressing challenges of day-to-day survival . Instead of attending school, children work or beg. Ignorant to the benefits that education would provide, the parents do not seek for their children. Thus, the cycle of poverty continues.

More recently, political instability within Nepal has plunged much of the countryside into chaos, resulting in the closure of many schools. Young people have left their homes to fight, taking with them their families last chance to climb out of poverty. Over half of Nepal’s population is under 18 years of age and with these young people so ill prepared to deal with the problems that plague their country, the future of Nepal looks bleak.Video @Rupakgajurel

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Actually, the dude wasn’t running from the cops. He had no idea there was even a cop behind him until he got to the light which is where he was starting to pull over. The cop was charged for excessive use of force and sued for $180,000 which the biker won. Justin Wilkins was recently awarded a payout for a 2012 incident involving Oregon police officer Captain Rob Edwards. Wilkins received the payout when it was confirmed the cop kicked him in the chest.

Edwards was on patrol in an unmarked police vehicle when Wilkins passed him on a solid line. Edwards pursued the reckless biker for nearly five minutes, during which the biker can be seen on police dashcam footage weaving in and out of cars.

The biker was forced to slow down a bit as he approached an intersection. Edwards comes to a stop as well, but not before knocking the biker to the ground.

The officer’s adrenaline may have played too big of a role and landed him on the defendant’s side of the courtroom. Edwards stepped out of the patrol car, drew his weapon and kicked Wilkins in the chest before putting the biker in cuffs.

Wilkins suffered a broken clavicle and fractured rib but the $180,000 from the excessive use of force claim likely has him feeling better.

Watch video from HERE.


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Battho Manche new episode is very good to watch. It has a girl in lead role and she is beautiful with mind. Two men try to ask some questions to test her knowledge but she tricks to answer their questions. This is the brand new nepali comedy clip on youtube. The comedy series in the name Battho Manchhe is uploaded regularly by tv nepali. Actually Battho Manchhe is the term taken from Nepali language which means the man who is clever. But, this comedy clip is satirical to those who consider themselves as the Battho Manchhe. In this series of Battho Manchhe, the author wants to show that the socalled clever man actually is not clever enough but people feels irritated and agree to told him Battho Manchhe. The all rights reserved to tvnepali. Reuploading and reproduction is strictly forbidden. Embedding in websites will be heartily welcome. Please like, comment and share videos. - See more at: http://www.tajavideo.co/videos/battho-manchhe-71-nepali-comedy-video/#sthash.LWfMAYNx.dpuf

India was forced to change its policy towards Nepal under international criticism of a crippling blockade led by Madhesis due to which their months- long violent agitation fizzled out and lost relevance, Prime Minister K P Sharma Oli has said. Presenting a 12-page political document during the ongoing CPN-UML party politburo meeting, party chairman Oli said that India changed its policy of supporting the Madhesi movement following international criticism during the ‘unofficial’ b .. The international community was critical of India’s approach to Nepal and exerted pressure on it, Oli said in his document.”India, then, changed its policy as it could not sustain backing the Madhesis further,” he said.The Madhesis, largely of Indian-origin, launched a violent agitation in September last year when the new Constitution was announced, saying the statute failed to address their concerns. - See more at: http://www.npnewsportal.com/interview-with-pm-k-p-sharma-oli-in-indian-media/#sthash.cvTEeBA7.dpuf

Here is a video of tennis star Jelena Jankovic changing her panties at a tennis match. The cameras didn’t follow her in the back locker room. Nope. She did it right on the side of court.

Wait.. What??

Ok so I’ve seen this video a couple of places but no one seems know exactly what tennis match this is from. To me it appears to be the French Open but some think it’s Wimbledon. Either way, I’m surprised that this is just coming out now but here it is for the hailmaryjane pervs out there.

Watch video from HERE.

Prachanda, byname of Pushpa Kamal Dahal (born Dec. 11, 1954, Lewadi, Nepal) Nepali rebel leader and politician who headed the Maoist insurgency that ended Nepal’s monarchy and established the country as a democratic republic, which he served as its first prime minister (2008–09).

Pushpa Kamal Dahal was born into a poor farming family in the mountainous Kaski district of central Nepal. At age 11 he moved with his family to Chitwan district, where a schoolteacher indoctrinated him in communism. In 1975 he graduated from the Institute of Agriculture and Animal Science in Rampur, Chitwan district.

In 1980 Prachanda (a nom de guerre meaning “fierce”) was tasked with leading the All Nepal National Free Students’ Union (Revolutionary), which was affiliated with the radical Communist Party of Nepal (Masal), or CPN (Masal [meaning “flame” in Nepalese]). In 1983 he was elected to the central committee of the CPN (Masal), which soon split into the CPN (Masal) and the CPN (Fourth Convention). In 1985 the CPN (Masal) divided again, into the CPN (Masal) and the CPN (Mashal [“flame” in Sanskrit]). Prachanda joined the latter, becoming a member of the politburo and rising to the position of general secretary in 1989. Several leftist parties merged in 1990 to form the CPN (Unity Centre), with Prachanda as a general secretary, but in 1994 it also split in two. In March 1995 Prachanda renamed his branch to reflect its Maoist leanings—the Communist Party of Nepal (Maoist).

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The video contains some of the women who are born with the deformities. These are the women who are born with some types of deformities by their birth. These are the women who are enlisted in the list of You Won’t Believe Exist. The first is Abigail and Brittany Hensel is conjoined twins that have separate heads but are joined at the body. They are conjoined people who shares one neck but they have two heads. The second in this list is Mayra Hills (“Beshine”) has the largest fake breasts in the world at a cup size of 32Z.

Mayra Hills is said to have the largest fake breast in the world. Mayra Hills, also known as German adult model Beshine, boasts the world’s largest augmented breasts. For those who like to deal in detail, that’s a bra size of 32Z. Each breast contains 10 litres of saline and weighs 20lbs (other things that weigh 20lbs are a toddler, a puppy, a car tyre, or four large rainbow trout). The third in the list is Gertrude Weaver was the oldest woman at the time of making this video but unfortunately died since. The fourth that is in the list is Julia Gnuse is the illustrated lady with more than 95 percent of her body covered in tattoos. The fifth is Paduang Tribe, the women of the paduang tribe extent their necks using brass coils. The sixth is Aneta Florczyk is a polish strongwoman with many impressive accomplishments.

The seventh is Asha Mandela has the largest dreadlocks in the world, one strand measures more than 50 feet! The eighth is Penny Brown has shrunk her waist and enlarged her breasts to look like Jessica Rabbit. On the nineth is Mikel Ruffinelli has hips that measure 8 feet in circumference. The 10th is Ataye Eligidagne has a lip disc that is more that 23 inches in circumference. On the 11th rank, Valeria Lukyanova is a real life barbie doll! The twelfth is Mandy Sellars has legs that are more than twice as big as her entire body. On the thirteenth rank, Charity Pierce is the world’s heaviest woman at 765 pounds. Jyoti Amge holds the record for being the world’s smalled woman at 2 feet. Elisany Silva is the world’ s tallest teenage at 6ft and 9 inches in height.

- See more at: http://www.npnewsportal.com/believe-it-or-not-15-women-exist-in-the-world/#sthash.Rh22yFv0.dpuf

How many gazillions of years can we set feminism back in a mere minute? Well, friends, thanks to this fat-shaming sanitary pad commercial, we have a foolproof way to derail all progress our feminist role models have made in the past century in under ten seconds! The shockingly offensive ad for SOFY BeFresh menstrual pads is currently airing in Australia, and it’s like watching a car crash that just keeps crashing forever. It starts with a woman staring into her mirror at her supposed “period counterpart” — only the person she sees in the mirror is several sizes larger than she is, and a borderline-psychotic mess who makes Gone Girl look like Goldilocks. And yeesh almighty, everyone, it only gets worse from there.

The period counterpart goes through a long and increasingly ridiculous montage wherein she insults her cat, pines for a man, entirely loses all self-awareness, threatens a pizza guy, and basically has the IQ, attention span, and temperance of a bratty three-year-old child. That’s right — it’s not enough that women are constantly under unfair scrutiny about menstruation in their personal lives, in their workplaces, and even in political forums. Now the people who are selling us the products for them can’t stop themselves from massively insulting us.

Watch video from HERE.

Posted by Anup Baral August 3rd, 2016 :
2 four wheelers and 2 buses are missing after a bridge over the Savitri river at Mahad on the Mumbai - Goa highway collapsed. The primary reason for the collapse seems to be the high pressure due to the flooding of Savitri river.

Posted by Anup Baral August 03, 2016 :
Prime Minister KP Sharma Oli is scheduled to leave the PM’s official residence in Baluwatar today itself as the Parliament is due to elect his successor on Wednesday. Oli’s press advisor Pramod Dahal said in a statement today that Oli planted a peepal tree on the PM’s residence premises few hours before leaving the official residence. Now, Oli would directly head to his personal residence in Balkot of Bhaktapur from the Parliament meeting this afternoon, according to Dahal. “The Prime Minister is planning to shift to his private residence in Balkot itself so that an appropriate environment would be made for the newly elected Prime Minister to shift to the government residence.” The CPN-UML Chairman had held separate meetings with security personnel, PM’s secretariat staff and his assistants and thanked them for the cooperation, informed Dahal.PM Oli on July 24 had resigned from the top executive position of the nation after his coalition partner CPN Maoist Centre in alliance with the main opposition Nepali Congress filed a no-confidence motion against him. He was elected the Prime Minister on October 11 last year, and had been living in the Baluwatar residence from October 16. Meanwhile, the Parliament is scheduled to elect the new Prime Minister today.

Leader of the CPN (Maoist Centre) and lawmaker Pushpa Kamal Dhal has been elected the 39th Prime Minister of the country. He garnered 363 votes in the election to the post of Prime Minister held in the Legislature-Parliament today and got elected as the Executive Chief. Of the 573 lawmakers present in the Legislature-Parliament, 363 voted in favour of Dahal while 210 voted against. House Speaker Onsari Gharti declared that 363 of the 595 MPs, the number of MPs in the Parliament at the time, were in favour of leader Dahal, which is a majority and thus he has been elected the Prime Minister with a majority. Before this, leader Dahal had presented the information about his candidacy in Parliament as per the Article 298 (3) of the Constitution of Nepal and Rule 49 (4) of the Legislature-Parliament Regulations, 2073 BS. The Legislature-Parliament will next meet at 11 am on August 8. RSS

Pushpa Kamal Dahal 'Prachanda', the first Prime Minister after the nation was declared a republic, was born on December 11, 1954 in Dhikurpokhari-2, Kaski. Son of Muktiram Dahal and Bhawani Dahal, 'Prachanda' holds a Bachelor's Degree in Agriculture and Animal Science.

Active since the past 42 years in Nepalese politics, 'Prachanda' spent some six years in teaching and also served at the USAID. He is contesting from Kathmandu-10 and Siraha-5 in the CA Election 2013. He began his political career in 1972 from Pushpal Group and formed Marxist Group in 1975 and later joined CPN (Fourth Convention) in 1978. With full-fledged membership of CPN (FC) in 1979, 'Prachanda' was elected as Chitwan District Committee member in 1980. He became Regional Bureau member in 1982 and general secretary of All Nepal Youth Association. In 1984, he became the president of the association, which was followed by some quick successive steps leading him to the party leadership. 1985, he was elected as central member of CPN (Masal)'s 5th General Convention. Shortly afterwards, he became the party's politburo member. After the party split in 1986, 'Prachanda' sided with Mohan Baidya 'Kiran'. While 'Kiran' led the party, the Sector Incident of 1989 forced the party chieftain to resign, making way for 'Prachanda' to lead the party in 1990 as general secretary. He is still the party head since then. He became the general secretary of CPN (Unity Center) in 1992 and general secretary of CPN (Maoist) in 1995. The 2nd General Convention of the CPN (Maoist) elected him as the party chairman in 2001 and has held the position since then to date even after the party was converted to UCPN-Maoist. 'Prachanda' led the armed revolution in 1996 and also became the supreme commander of the People's Liberation Army. Ending his 25-year long underground life, 'Prachanda' became public at Baluwatar on June 16, 2006. Once a wanted man for revolting against the state, 'Prachanda' became the prime minister of Nepal on August 18, 2008 and remained in the office till May 25, 2009. In the CA Election 2008, 'Prachanda' won from Kathmandu-10 and Rolpa-2. In Kathmandu, he received 23,277 votes to defeat NC's Rajendra Kumar KC, who received 12,154. CPN-UML's Sanu Kumar Shrestha came third with 8,568 votes. 'Prachanda' has three daughters and a son. He has also written book on Nepalese society and politics. He still faces cases on his involvement in killings of people during the armed conflict.

Posted by Anup Baral August 3rd, 2016 :
Prime Minister KP Sharma Oli is scheduled to leave the PM’s official residence in Baluwatar today itself as the Parliament is due to elect his successor on Wednesday. Oli’s press advisor Pramod Dahal said in a statement today that Oli planted a peepal tree on the PM’s residence premises few hours before leaving the official residence. Now, Oli would directly head to his personal residence in Balkot of Bhaktapur from the Parliament meeting this afternoon, according to Dahal. “The Prime Minister is planning to shift to his private residence in Balkot itself so that an appropriate environment would be made for the newly elected Prime Minister to shift to the government residence.” The CPN-UML Chairman had held separate meetings with security personnel, PM’s secretariat staff and his assistants and thanked them for the cooperation, informed Dahal.
PM Oli on July 24 had resigned from the top executive position of the nation after his coalition partner CPN Maoist Centre in alliance with the main opposition Nepali Congress filed a no-confidence motion against him. Prime Minister KP Sharma Oli is scheduled to leave the PM’s official residence in Baluwatar today itself as the Parliament is due to elect his successor on Wednesday. Oli’s press advisor Pramod Dahal said in a statement today that Oli planted a peepal tree on the PM’s residence premises few hours before leaving the official residence. Now, Oli would directly head to his personal residence in Balkot of Bhaktapur from the Parliament meeting this afternoon, according to Dahal. “The Prime Minister is planning to shift to his private residence in Balkot itself so that an appropriate environment would be made for the newly elected Prime Minister to shift to the government residence.” The CPN-UML Chairman had held separate meetings with security personnel, PM’s secretariat staff and his assistants and thanked them for the cooperation, informed Dahal.

Posted by Anup Baral August 04, 2016 :
Watch Daily Rasifal Video: Find out where the planets are today! Watch Today's Daily Horoscopes published in Image Tv.
Thursday is dedicated to alleviating the bad influence of Lord S hani. The Vrat on this day is mainly observed by those people who believe in Hindu astrology. Black is the color of the day and people visit Shani shrine or Navagraha shrines. Food is only consumed once on the day. Saturday Fasting Dedicated To Hindu God Shani and Hanuman Talk about Shani or Sani to a Hindu and the first re action will be fear and then the mentioning of ill effects and troubles. Shani is dreaded by Hindus, especially by those who believe in astrology. Many people observe an Upvaas or fast to avoid the adversities and misfortunes on Shanivar or Saturday. It is believed that those who have the blessing of Lord Hanuman are protected from the wrath of Shani. Therefore many people make it a point to worship Hanuman at home or in temples. Black is the preferred color on Thursday. Shani, one of the Navagrahas, is worshipped in numerous temples and there are also temples exclusively dedicated to Sani. Devotees who are observing Shanivar Vrat usually visit Shani shrines. Black colored items like sesame til, sesame oil, black clothes, and black gram whole are offered to Shani. It must be noted here that the color of the idol of Shani is always black in color. Those devotees who fast on Saturday only take a single meal that too in the evening after prayers. Food prepared usually consis ts of sesame til or black gram or any other black colored food item. Salt is avoided by many on the day.

Pushpa Kamal Dahal 'Prachanda', the first Prime Minister after the nation was declared a republic, was born on December 11, 1954 in Dhikurpokhari-2, Kaski. Son of Muktiram Dahal and Bhawani Dahal, 'Prachanda' holds a Bachelor's Degree in Agriculture and Animal Science. Active since the past 42 years in Nepalese politics, 'Prachanda' spent some six years in teaching and also served at the USAID. He is contesting from Kathmandu-10 and Siraha-5 in the CA Election 2013. He began his political career in 1972 from Pushpal Group and formed Marxist Group in 1975 and later joined CPN (Fourth Convention) in 1978. With full-fledged membership of CPN (FC) in 1979, 'Prachanda' was elected as Chitwan District Committee member in 1980. He became Regional Bureau member in 1982 and general secretary of All Nepal Youth Association. In 1984, he became the president of the association, which was followed by some quick successive steps leading him to the party leadership. 1985, he was elected as central member of CPN (Masal)'s 5th General Convention. Shortly afterwards, he became the party's politburo member. After the party split in 1986, 'Prachanda' sided with Mohan Baidya 'Kiran'. While 'Kiran' led the party, the Sector Incident of 1989 forced the party chieftain to resign, making way for 'Prachanda' to lead the party in 1990 as general secretary. He is still the party head since then. He became the general secretary of CPN (Unity Center) in 1992 and general secretary of CPN (Maoist) in 1995. The 2nd General Convention of the CPN (Maoist) elected him as the party chairman in 2001 and has held the position since then to date even after the party was converted to UCPN-Maoist. 'Prachanda' led the armed revolution in 1996 and also became the supreme commander of the People's Liberation Army. Ending his 25-year long underground life, 'Prachanda' became public at Baluwatar on June 16, 2006. Once a wanted man for revolting against the state, 'Prachanda' became the prime minister of Nepal on August 18, 2008 and remained in the office till May 25, 2009. In the CA Election 2008, 'Prachanda' won from Kathmandu-10 and Rolpa-2. In Kathmandu, he received 23,277 votes to defeat NC's Rajendra Kumar KC, who received 12,154. CPN-UML's Sanu Kumar Shrestha came third with 8,568 votes. 'Prachanda' has three daughters and a son. He has also written book on Nepalese society and politics. He still faces cases on his involvement in killings of people during the armed conflict.

The University of New South Wales essentially called as UNSW was built up in the year of 1949. It has been over 60 years for its establishment. This is an Australian open investigation establishment orchestrated in Sydney. This establishment contains more than 50,000 understudies from all around all through the world. The essential grounds of UNSW is organized in Kensington and others in Randwick and Coogee. The University of New South Wales is the coordinator of the generally praised and the principle arrangement of Universities focusing on investigation, "Social occasion of Eight" and other connection particularly Universitas 21.
The University of New South Wales is broadly known for the information of its understudies and its hope to acknowledge another, novel and creative frameworks in the field of investigation and guideline. The UNSW has strong bonds with the field of industry besides with the field of bussiness and in light of these reasons the understudies proceeded onward from UNSW are incredibly asked for all around the world.
UNSW is considered as a primary school in learning and demonstrating and is a top school on the planet. It falls under the primary 50 schools all around the world and fall under fundamental 10 universities in Australia. This school is the first school on the planet to perform the "QS 5 star notwithstanding" distinguishing proof for its academic brilliance.South Wales give a broad mixture of guideline close by its phenomenal quality. the school has strong backing in regional and overall issues which makes it possible to give quality preparing. Environment in this school updates understudies in developing new headways, consider and do research. The other extra curricular activities in this school allows the understudies to appreciate a relief from the studies and unite with into a couple recreations and activities they are excited about. The school furthermore makes social venture and festivities where the understudies can have a decent time and have a discriminating time in the school. The adage of this University is "Scientia Manu et Mente" hugeness " adapting by hand and mind". This witticism unmistakably suggests that the new improvements and signs are progressed through shrewd and the point of confinement of the mind to appreciate things and have learning of utilizing it. This data can be deciphered among the people through the deed of ones hand as like composing and clearing up their theories.

With loan amounts ranging from $3,000 to $25,000,2 a Premier Loan is designed for U.S. Bank customers to be a powerful financial option for one-time financing needs.

With uses ranging from home improvement projects, debt consolidation, and purchases like major home appliances or vehicles, a Premier Loan could be among the best financing options available to you.

There are no property inspections, appraisals or annual fees – and our efficient application and review processes are designed to get funds to you as quickly as possible.

High interest rates on your outstanding debts bringing you down? A Premier Loan can help you consolidate multiple account balances into one lower monthly payment, potentially saving you interest charges over the life of the loan.

A Premier Loan also offers a competitive rate for unsecured financing. Consolidating revolving debt into a fixed rate, payment and term installment loan can help you pay off your debts faster when compared to making only the minimum payment on a revolving line of credit.

Watch video from HERE.

- See more at: http://www.npnewsportal.com/lamborghini-gold-digger-prank/#sthash.nM2wcids.dpuf

Guaranteed vs. Non-Guaranteed Permanent Life Insurance Policies
Fifty years ago, most life insurance policies sold were guaranteed and offered by mutual fund companies. Choices were limited to term, endowment or whole life policies. It was simple, you paid a high, set premium and the insurance company guaranteed the death benefit. All of that changed in the 1980s. Interest rates soared, and policy owners surrendered their coverage to invest the cash value in higher interest paying non-insurance products. To compete, insurers began offering interest-sensitive non-guaranteed policies.

Guaranteed versus Non-Guaranteed Policies
Today, companies offer a broad range of guaranteed and non-guaranteed life insurance policies. A guaranteed policy is one in which the insurer assumes all the risk and contractually guarantees the death benefit in exchange for a set premium payment. If investments underperform or expenses go up, the insurer has to absorb the loss. With a non-guaranteed policy the owner, in exchange for a lower premium and possibly better return, is assuming much of the investment risk as well as giving the insurer the right to increase policy fees. If things don’t work out as planned, the policy owner has to absorb the cost and pay a higher premium.

- See more at: http://www.npnewsportal.com/new-nepali-teej-song-dumsi-kade-junga-jyoti-magar/#sthash.fQxhzg81.dpuf

With loan amounts ranging from $3,000 to $25,000,2 a Premier Loan is designed for U.S. Bank customers to be a powerful financial option for one-time financing needs.

With uses ranging from home improvement projects, debt consolidation, and purchases like major home appliances or vehicles, a Premier Loan could be among the best financing options available to you.

There are no property inspections, appraisals or annual fees – and our efficient application and review processes are designed to get funds to you as quickly as possible.

High interest rates on your outstanding debts bringing you down? A Premier Loan can help you consolidate multiple account balances into one lower monthly payment, potentially saving you interest charges over the life of the loan.

A Premier Loan also offers a competitive rate for unsecured financing. Consolidating revolving debt into a fixed rate, payment and term installment loan can help you pay off your debts faster when compared to making only the minimum payment on a revolving line of credit.

Watch video from HERE.

- See more at: http://www.npnewsportal.com/comedy-video-by-sulsule/#sthash.KXyfz0JE.dpuf

CPN Maoist Chairman Pushpa Kamal Dahal has been elected the new Prime Minister of Nepal.

Speaker Onsari Gharti Magar announced that Dahal was elected the Prime Minister as he garnered more votes than 50 per cent of current strength of the Parliament.

While total 573 lawmakers had cast their votes in the poll, 363 were for Dahal, according to Speaker Gharti.

Dahal was backed by the largest party in the House, Nepali Congress, constituents of the United Democratic Madhesi Front and the Federal Alliance and some other fringe parties.

Total 210 lawmakers including those of CPN-UML and Rastriya Prajatantra Party-Nepal had cast votes against the Maoist leader.

- See more at: http://www.npnewsportal.com/kantipur-samachar-03-august-2016/#sthash.NWnnTrli.dpuf

North Korea has test fired another ballistic missile, this time landing in Japan’s Exclusive Economic zone”, the first to reach the area since 1998. The zone extends 200 nautical miles from Japan’s coast and, whilst it’s within international waters, is under Japanese control. All coastal states are legally entitled to control such a zone under the United Nations Convention of the Law of the Sea. - See more at: http://www.npnewsportal.com/north-korea-fires-another-missile-towards-japan/#sthash.3SdDYJsL.dpuf

Guaranteed vs. Non-Guaranteed Permanent Life Insurance Policies
Fifty years ago, most life insurance policies sold were guaranteed and offered by mutual fund companies. Choices were limited to term, endowment or whole life policies. It was simple, you paid a high, set premium and the insurance company guaranteed the death benefit. All of that changed in the 1980s. Interest rates soared, and policy owners surrendered their coverage to invest the cash value in higher interest paying non-insurance products. To compete, insurers began offering interest-sensitive non-guaranteed policies.

Guaranteed versus Non-Guaranteed Policies
Today, companies offer a broad range of guaranteed and non-guaranteed life insurance policies. A guaranteed policy is one in which the insurer assumes all the risk and contractually guarantees the death benefit in exchange for a set premium payment. If investments underperform or expenses go up, the insurer has to absorb the loss. With a non-guaranteed policy the owner, in exchange for a lower premium and possibly better return, is assuming much of the investment risk as well as giving the insurer the right to increase policy fees. If things don’t work out as planned, the policy owner has to absorb the cost and pay a higher premium.

- See more at: http://www.npnewsportal.com/lyapche-episode-43-nepali-comedy/#sthash.XkkjqYff.dpuf