"A Study Of The Performance Of The "Jeevan Saathi" And "Jeevan Mitra” Policies Offered By The L.I.C."

The main benefit of Jeevan Saathi policy is that, it is a joint life policy which covers the life of both husband and wife under a single policy. And they also get double benefit if any one of them dies during the term of the policy. The Jeevan Mitra policy is a single life policy, the main advantage of which is that the dependents get double benefit in case of normal death and triple benefit in case of accidental death during the term of policy. so both the policies have their own attractions but when compared with the annual sales of other policies, the additional increase in the sales of these policies are decreasing. It is a fact finding study concerned with market performance of these two policies by conducting a survey among the Jeevan Saathi and Jeevan Mitra policy holders, and a thorough analysis of the various information or data collected from them. This study is an attempt to present an integrated picture of the main features of the policy holders who have bought these policies, the major factors responsible for making them purchase these policies, the various difficulties faced by them at present and further modification needed in the plans of these policies according to the opinion of policy holders. For increasing accuracy of the conclusions, information is also collected from Agents and Development Officers by using interview schedule. The main purpose of this study is to draw attention of LIC to introduce new plans of policies taking into consideration the drawbacks or defects of the existing policies and present needs of policy holders. It will also help to make new plans in order to suit the needs of more people who want to buy life insurance policies

Raman and FTIR studies of the structural aspects of Nasicon-type crystals; AFeTi(PO4)3 [A ¼ Ca, Cd]

Raman and FTIR spectra of CaFeTi(PO4)3 and CdFeTi(PO4)3 are recorded and analyzed. The observed bands are assigned in terms of vibrations of TiO6 octahedra and PO4 tetrahedra. The symmetry of TiO6 octrahedra and PO4 tetrahedra is lowered from their free ion symmetry. The presence of Fe3+ ion disrupts the Ti–O–P–O–Ti chain and leads to the distortion of TiO6 octrahedra and PO4 tetrahedra. The PO4 3 tetrahedra in both crystals are linearly distorted. The covalency bonding factor of PO4 3 polyanion of both the crystals are calculated from the Raman spectra and compared to that of other Nasicon-type systems. The numerical values of covalency bonding factor indicates that there is a reduction in redox energy and cell voltage and is attributed to strong covalency of PO4 3 polyanionin

A CRITICAL STUDY OF THE I/W-'ll/EA/6'1.-' OF GANDHIJI AND HIS TEACHING ON MODERN HINDI POETRY

Hindi