"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

Resource Sharing Among Engineering College Libraries Affiliated To Mahatma Gandhi University, Kerala: A Proposed Model

There are around 150 engineering colleges (ECs) in Kerala under the government, aided and self financing (S.F.) sectors. While the college libraries in the government and aided sectors receive several grants, the libraries of S.F. colleges are solely run by their own funds. The rising costs of scholarly publications and strict AICTE stipulations regarding libraries and their collection, pose great difficulties to the libraries in all sectors in finding adequate budgets to provide quality services. Library cooperation/resource sharing helps to overcome this problem to a considerable extent. The present study analysed the facilities and services of the ECs affiliated to M.G.University, Kerala to identify whether there is a need for resource sharing (RS) among these libraries. The satisfaction of the users with their library resources and services were also ascertained. The study put forward a model for RS and the opinion of the librarians and users regarding the same were collected. Structured questionnaires were used to collect the required data. The study revealed that a wide gap exist between the libraries with respect to their facilities and services and many of the S.F. libraries have better infrastructure when compared to the government and aided college libraries. Majority of the respondents opined that RS is necessary to satisfy their information needs. The model of RS proposed by the study was widely accepted by the librarians and users. Based on the opinions and suggestions of the respondents, the study developed the potential model for resource sharing- the Virtual Resource Sharing Centre (VRSC).