The Childhood Phase of a Person Essay Example | Topics and Well Written Essays - 1000 words

The Childhood Phase of a Person - Essay Example The childhood phase of a person is developed through his activities in a school. The major part of the childhood of a person is spent in the schools. The preliminary and secondary schools are the basic foundations on which the overall values, goals, and personality of a person are developed. However, special care must be taken by the schools as organizations to foster the well-being and safety of the children attending their schools. The transition from one school to another may be a new experience for the children which involves stress and requires adjustment on the part of the children1. A transition phase encompasses the loss of old friendships formed in the schools and finding their place in a new environment. These may add to the worry of the children when joining a new school. The adjustment of the children in the new environments should also be supported by the schools so that the children can deal with the stress and imbalances associated with the transition process. The spor ts activities and social activities in secondary schools can support the children to become adjusted and involved in the new environment easily. Also, the people at home may also be helpful in guiding and supporting the children in adapting to the transition process more easily. Managing the emotional and physical health of children is necessary to ensure that they do not succumb to the stress caused by the transition phase. Schools not only play an influential role in the learning and development of children but they are equally important in developing hygienic concerns and healthy outlooks from the early years of the children. The schools play important roles in shaping up the good habits of the children with respect to hygiene, health, and safety.  

Starbucks Business Strategy Case Study Example | Topics and Well Written Essays - 2750 words

Starbucks Business Strategy - Case Study Example This research paper will be broadly divided into three sections which will be titled as background, analysis and conclusion. The objective of the research paper will be fulfilled in these three sections and along with that relevant conclusion will be also drawn. In the first segment, i.e. background the study seeks to highlight clear and detailed overview of pertinent information from the case and outside resources that describes the industry and the organizations and key players involved. The external sources that will be used are generally books, journal articles and authentic electronic sources. In the analysis section, the study seeks to scrutinize the course concepts and along with that identifies and discusses the main strategic issues facing the industry and organizations, such as external environment, internal situation, and strategic fit. Hence, in order to carry out this section, the study will be emphasizing on the external as well as the internal environment of the organi zation. In the last section of the study, the study would be highlighting the important points and will also describe about the ways the situation can be improved. Technically, Starbucks should fall in the beverage industry, but since they also market various other food products, they are adjudged to be a part of the restaurant industry. As the economy continues to improve, a significant wave of change is being moved through the restaurant industry. This has redefined how the companies have grown operated and managed risks. The robust technological development has been the key driver for this change and has provided companies with the opportunity to explore new business techniques. The impact of technology in the US restaurant industry has also been positive as it allowed them to be more efficient and enhance the overall productivity. The US restaurant industry has emerged as one of the major industries of

Understanding the experiences of special education students who did Dissertation

Understanding the experiences of special education students who did not complete high school - Dissertation Example The purpose of this qualitative case study is to identify the common experiences of special education students who decide to drop-out of high school and the common factors that contribute to the decision to drop-out of high school. The case study will be comprised of male and female special education high school students who dropped out of school at Ridgeville High School (pseudonym for a Virginia high school) during their third and fourth years in the school years 2007-2008 and 2008-2009. The sample population will consist of students between the ages of 16-20. The sampling size will be 15 although 33 students will be initially contacted. The study will be a phenomenological study and will therefore be conducted by virtue of semi-structured interviews designed to identify the common experiences of students who dropped out of school close to graduation. The results of the semi-structured interview will be compared and analysed by virtue of a qualitative data analysis. The results wil l be coded and categorized generally using a phenomenological reductionism method. Once the data are collated and sorted and commonalities are identified, all possible conclusions will be analysed so that a final conclusion can be drawn. Using information from interviews with recent dropouts from Ridgeville High School, in conjunction with findings from current literature, this study will contribute to the development of recommendations for more effective dropout prevention programs for special education students. Descriptors: Achievement gap Disability Drop-out Drop-out prevention IDEA 2004 Dropping out IEP Inclusion NCLB QDA Special Education Student Engagement ACKNOWLEDGMENTS TABLE OF CONTENTS ABSTRACT iv ACKNOWLEDGMENTS ii TABLE OF CONTENTS iii CHAPTER ONE 1 INTRODUCTION 1 Background 2 Problem Statement 12 Purpose of the Study 15 Research Questions 15 Scope of the Study 16 Limitations and Delimitations 17 Definition of Terms 19 Research Plan 21 CHAPTER TWO 24 LITERATURE REVIEW 2 4 Introduction 24 Overview 25 Institutional reasons for dropping out 38 School belonging and dropout rates 44 Special education services and dropout rates 47 Exit exams 49 Inclusion: Does it reduce dropout rates? 54 Teachers and inclusion 64 Dropout prevention programs 71 IEP programming 74 Transition programming 76 Programs attending to social and academic elements of student lives: Finn’s participation-identification model of school engagement-belonging 79 School belonging and engagement and special education 91 Case studies of best practice school engagement programs that have improved the retention level of special education students in high school 98 Conclusion 102 CHAPTER THREE 104 METHODOLOGY 104 Introduction 104 Research Questions 105 Design 106 Active Observation 112 Intensive Interview 113 Data Collection Procedures 116 In-depth Interviews 117 The Researcher’s Role 120 Qualitative Data Analysis 120 The Coding Process

Literature Review; Data Collection Annotated Bibliography

Literature Review; Data Collection - Annotated Bibliography Example 2011). Growth hormone syndrome triggers a decrease in the levels of thyroid stimulation hormones responsible for stimulating metabolism causing hypothermia. High’s book offers honest advice on the nature of rehabilitating patients with brain injuries. The author develops a critical evaluation of the focal cortical dysfunction on patients with traumatic brain injuries. Taking a realistic approach to the brain healing process, the chapters in High’s book have discoveries on deficiencies brought about by the growth hormone to patients suffering from mild, severe and moderate traumatic brain injuries. In the progress, High looks into the effective measures and programs to rehabilitating traumatic brain injury in patients. The author offers a critical outlook on a number of consequences caused by both elevated and dropped levels of growth hormone to the healing process of patients with traumatic brain injuries. High offers sane advice for those struggling with rehabilitating traumatic brain injuries, but his main project seems to be offering the reader a reality check regarding rehabilitation for traumatic brain injury using gr owth hormone replacement. This text is indispensable because of its honest viewpoint and encouraging approach to patients rehabilitating brain injuries. The authors develop a theoretical analysis of the epidemiology and severity of traumatic brain injuries. The authors introduce the GCS (Glasgow Coma Scale) that is used to analyze effects of stimuli the post traumatic consciousness. The authors conduct neuropsychiatric, functional and structural imaging assessments, that unearth neuropsychiatric behaviors related to post-traumatic behaviors of brain injury. The book develops an analysis of mood, psychotic, personality and cognitive disorders arising from treatment of traumatic brain injury. Cifu and Buschbacher’s book develops a critical analysis into the neuropsychology, rehabilitation and

Indonesian Political History Research Paper Example | Topics and Well Written Essays - 1000 words

Indonesian Political History - Research Paper Example An armed struggle followed between the Dutch and the largely Japanese-trained Indonesians, which culminated in the Netherlands’ recognition of Indonesian independence in 1949, after much loss of lives on both sides. 2. Japanese interests in Indonesia were closely linked to Japan’s colonial ambitions in Asia. It sought to establish itself as the biggest power in Asia after having achieved many victories, on the economic front and on the warfront. Japan also intended to gain an upper hand in the volatile situation that the Second World War presented. They sought to take over the reins of power in Indonesia from the Dutch. They were widely perceived to have dented the power and pride of the white western man and were thus welcomed in many Asian countries struggling under the yoke of colonialism. One of Japan’s main professed objectives in Indonesia was to end the system of administration that was based heavily on race. The objectives of the Japanese were not very di fferent from the Dutch and this can be inferred from the imperialist measures that they undertook while in power. 3. Japanese policies towards Islam in Indonesia were the opposite of those that were followed by the Dutch. While the Dutch believed in imposing restrictions on the practice of Islam through the use of force, the Japanese administration was able to harness the energy of Islamic institutions so as to provide itself with support during the Second World War. Their choice of a course of action was also influenced by the lack of resources available to pursue any alternative strategy. The War had drained tem of the power to pursue any policy that was based on the use of force. Japanese policies were aimed at enabling Islamic structures to be centres of mobilization for the cause of the War and the nation. 4. While a majority of the Indonesian population is Muslim, the constitution does not grant a pre-eminent position to Islam. Based on the principle of Pancasila, the Indonesi an constitution provides its citizens with the freedom to practice whichever religion they choose. The first president of Indonesia, Sukarno, was fearful of the secessionist impulses that may have arisen had Islam been declared the state religion. While there were uprisings for the cause of the inclusion of Islam as the state religion, they were defeated with the defeat that the first elections in Indonesian handed out to parties that were based on the principle of Islamic nationalism. Later on, Sukarno, the second premier of the nation, showed great inclination to grant Islam a prominent position within the constitution but failed. As a result, the Indonesian constitution does not grant any special status to Islam. 5. The establishment of a secular constitution received a mixed response from the Indonesian public. While there were protests demanding the inclusion of Islam within the constitution as the state religion, they were largely unsuccessful owing to the lack of large number s to support the movement. The period of Sukarno’s reign saw a secular government because of the response that the Indonesian public gave to political parties with Islamic nationalism as its main agenda. These parties were able to get only a small portion of the total votes in the first Indonesian elections, signaling the Indonesian public’s aversion to the rise of Islamic politics. Even though Sukarno, during his tenure, tried to appease Muslim powers, the rise

Literary Devices in The Woman at the Store Essay Example for Free

Literary Devices in The Woman at the Store Essay There are many different literary devices used in Katherine Mansfields The Woman at the Store, they are used effectively. Regularly Mansfield uses personification, characterization and irony. This short essay will show what the main literary devices are in this story. Irony has a significant literary device in this story; the storys plot is enormously ironic. The reader expects that the womans husband will be coming back soon, but he is dead already, which is ironic. The reader does not expect that the child knows that her mother killed her father. And that this is shown in something as pure as a drawingAnother key literary device in this story is her characterization. She characterizes the characters in this story so realistically that the reader has the idea that he has known the characters for all long time already, and he can visualize them perfectly. For example, when Mansfield writes about Jo: Not once that day he had sung I dont care, for dont you see, my wifes mother was in front of me! It was the first that we had been without it for a month, and now there seemed something uncanny in his silence. With this sentence the reader knows that Jo normally is a happy man, that he likes to sing, that he does not like mother-in-laws and that he now knows that something special is going to happen. Another important literary device is the use of personification. One good example is: the sun pushed through the pale clouds and shed a vivid light over the scene. This describes how the sun found a hole to shine through.  There are many different literary devices used in The Woman at the Store but irony, characterization and personification are some key devices and Katherine Mansfield uses them well but that is what she is famous for.

Education Policy In Bangladesh Essay Example for Free

Education Policy In Bangladesh Essay Introduction â€Å"Insurance is a way of protecting against these financial losses†. â€Å"General insurance or non-life insurance policies, including automobile and homeowners Policies provide payments depending on the loss from a particular financial event†. Anyone who owns an asset can buy insurance to protect it against losses due to fire or theft And so on. Each one of us can insure our and our dependents’ health and well being through hospitalization and personal accident policies. In this report we tried to show that how general insurance business operates in Bangladesh how important it is for economy what types of problem it faces in our country. Objective of the Study Primary objective The main objective of the study is to know how the insurance business works in our country. Secondary objective: The case study has the following objectives: To know about the insurance company (Based on three insurance companies.) To know about general insurance its classification. Company Overview Green Delta Insurance Company Limited (GDIC) is one of the leading private non life insurance companies in Bangladesh. GDIC was incorporated in December 14, 1985 as a public limited company, under the Companies Act 1913.  Actual operations started on 1st January 1986, with a paid up capital of BDT 30.00 million. Now, Green Delta Insurance Company Ltd. is amassed about BDT 637.875 million with a credit rating of AA1 and ST1. GDIC holds the proud distinction of being the first ever company to raise its paid up capital to such a level. This is also the 1st Insurance Company in Bangladesh to have equity partnership with IFC. With a presence in the strategically important parts of the country, which includes 38 branches, Green Delta Insurance Company Ltd. has established its prominent presence with equity participation in Delta Brace Housing Ltd., Progressive Life Insurance Co Ltd, United Hospital Ltd. Fin Excel Ltd. and BD Venture Ltd. Green Delta Capital Ltd. and Green Delta Securitie s Ltd. are two of the direct subsidiaries. GDIC provides stock brokerage services through Green Delta Securities Ltd. (GDSL) and investment supports through Green Delta Capital Ltd. (GDCL). As a part of the recognition for the contribution in the development of the insurance industry and for maintaining the standard of service, the company has been considered as one of the top 500 companies according to the renowned Rating Agency, Dun Bradstreet Rate Agency of Bangladesh. The company has also been awarded with many national and international awards like –‘’ICAB National Awards’’ for Best Published Accounts, ICMAB Best Corporate Award in Insurance category, ‘‘Certificate of Merit’’ for the Best Presented Accounts Award in the category ‘Insurance Sector’ by the South Asian Federation of Accounts (SAFA), ‘‘International Quality Crown Award’’ by BID International in London, The BIZZ Award by World Business confederation of Business, USA for leadership, Excellence in a management, Quality and Marketing, ‘‘The Diamond Eye Award For Quality Excellence’’ by BID OTHERWAYS, The Platinum Technology Award for Quality Best trade name by Association Other Ways in Berlin, International Star Award for Leadership in quality in the Gold, Platinum and Diamond categories and many more. With the slogan â€Å"Marches with time† during the last 28 years GDIC has been helping people in their time of need; pulling out all the steps when needed, and has been proud to be a partner in progress. Our Vision Our vision is to mature into a sustainable, coherent organization, raise competitiveness to the highest level in the insurance industry, maintain  high profitability balanced quantitative growth and exceed customer’s expectations by offering legendary services, embrace a new corporate identity and creative corporate culture. Our Mission Our mission is to create shareholders value through customer’s satisfaction and employee’s commitment to excellence. Our Strength Constant pursuit of suitable strategies has made the company the leading insurer of Bangladesh for over two decades. Our Belief We believe that client must stand at the center of our all activities. We have the ability to optimally fulfill the client’s needs based on risk management with minimum cost and personalized services Finding: Products Services Corporate Risk Management Industrial All Risk Insurance including Machinery Insurance and Business Interruption Property All Risk Insurance including Business Interruption Electronic Equipments and Computer Insurance Professional Indemnity Insurance Comprehensive Machinery Insurance Comprehensive General Liability (CGL) Product Public Liability Insurance Directors and Officers Liability (DO) Fire and Allied Perils Insurance Marine Cargo and Hull Insurance Financial Cash-in-safe, Cash-in-transit Cash-on-counter Insurance Portfolio Cover Credit Card Indemnity Insurance Bankers Blanket Insurance Bank Lockers Insurance A.T.M. Booth Insurance Banc assurance Retail SME Fire and Allied Peril Insurance Marine Cargo and Hull Insurance Personal Accident Health Insurance Overseas Mediclaim Insurance Micro Insurance Micro Health Insurance Nibedita-Comprehensive Insurance Policy for Women Household Insurance Motor Insurance Peoples Personal Accident Policy Comprehensive Travel Insurance Conventional Aviation Insurance Automobile Insurance Workmen Compensation Insurance Miscellaneous Insurance Engineering Insurance (Erection all Risk, Contractors all Risk, Deterioration of Stock Boiler Pressure Vessel Insurance, business intemiption Crop Insurance Nlbedlta-Comprehensive Insurance Policy for Women Weather Index Based Insurance Investment Portfolio Management Underwriting Pre-IPO placement Syndication Trusteeship Green Delta Insurance is known for its innovation and services. Today ´s competitive insurance market is driving the market to think and Winovate now products and services and GDIC have been doing with its authentic. Beside the Traditional insurance portfolio GDIC introduced following personal line of products in last year and some them are in pipeline: Health Insurance Household Insurance Nibedita-Comprehensive Insurance Policy for Women Cellular Phone Contingency Insurance Weather Index Based Insurance Personal Accident Insurance Policy for Migrant workers It is matter of great pride that GDIC has introduced an insurance product first time ever in Bangladesh which is designed only for the females named as Nibedita-Comprehensive Insurance Policy for Women. GDIC has also designed first ever Weather Index Based Insurance for the farmers of Bangladesh which will be launched shortly. In Briefly Fire Insurance Basic cover: Fire Lightning Explosion(domestic) Damage during or immediately following Fire caused by – smoke, scorching, Falling walls, water used for extinguishing Fire, blowing up building for preventing Spread of fire. This coverage can be extended to include other perils by the additional premium; Riot, Strike Terrorism Storm, Flood Subsidence Landslide Aircraft damage Bursting or overflowing of tanks. Health Insurance The health policy provides for reimbursement of hospitalization/domiciliary hospitalization expenses for illness/disease suffered or accidental injury sustained during the policy period. Under this scheme the expenses for treatment in a hospital for an illness or injury are insured. It does not cover for any expenses in respect of domiciliary or outdoor treatment. Covers: Hospitalization due to accident or illness. Ancillary services like ICU/CCU room, post-operative room, blood transfusion, special investigations, etc. Labor room services. Intensive care facility. Oxygen therapy. Skilled nursing services. Blood transfusions. Ambulance services. Dressing while in confinement and test other than the routine investigations. Marine Insurance The oldest branch of insurance. Comprises: a. Cargo Insurance. b. Hull Insurance. Lloyd ´s is the famous world ´s Marine insurance market. Marine Insurance Act 1906. HULL INSURANCE Concerns the insurance of ships. Hull, machinery etc. CARGO INSURANCE Plays an important role in domestic trade as well as international trade. Provides insurance cover in respect of loss of or damage to goods during transit by –rail, -road -sea -air Burglary Insurance Scope of Cover Lost by burglary Housebreaking following upon an actual forcible and violent entry into or exit from the premises by the person or persons. Then the company will pay to the extent of such loss to the extent of the intrinsic value of the descriptive value of the insured. Exclusions: Theft by persons lawfully on the premises. Any legal liability, Loss or damage during the progress of or following upon fire or explosion. Earthquake, war, Riot, Civil war, Invasion etc. Uncover able property: Deeds, bonds, stamp collections, bank or currency. Theft by persons lawfully on the premises. Any legal liability, Loss or damage during the progress of or following upon fire or explosion. Earthquake, war, Riot, Civil war, Invasion etc Company overview Delta Life Insurance Co. Ltd. established mainly through the initiative of a group of Bangladeshi professionals then working abroad along with a few enthusiastic local entrepreneurs, started its operation in December, 1986 after the Government of Bangladesh allowed the private sector to operate in the insurance sector in 1984 to carry on the business of insurance in the Private Sector. A brief explanation as to the growth of life insurance business in Bangladesh is in order here. Bangladesh declared independence from the Pakistani rules on March 26, 1971 following which she had to witness a bloody liberation struggle with the occupation forces lasting for 9 months before they were defeated. Insurance business which was exclusively carried on in private sector before independence was nationalized after liberation in 1972 primarily to address the emerging situation of eroding public confidence in the industry that was left staggeringly short of resources in the face of huge losses caus ed by the war of liberation. After a series of experimentation, a state-owned body, namely Jiban Bima Corporation (JBC), established in May, 1973 for transacting the life insurance business, took over the assets and liabilities under life portfolios of all erstwhile private insurance companies and started business in its own name. Since inception, Delta Life set before itself a high  standard of all round performance coextensive with professional soundness and proficiency. It soon made a mark in the life insurance arena by not only being the leader among the private sector indigenous companies, but by undertaking and successfully implementing innovative and welfare oriented life insurance schemes. It introduced an array of conventional life and group insurance products many of which were the first in Bangladesh. For the first time, health insurance products were also introduced by Delta Life. But more importantly, in fulfillment of the avowed commitment towards social development, Delta Life for the first time not only in Bangladesh but probably in the World, devised and introduced micro-life insurance-cum-savings products specially suited to the needs and pockets of poor people of the country who constitute more than 80% of the people of Bangladesh. Two projects of the company namely Grameen Bima for the rural people and Gono Bima for the poor and marginal savers of the urban areas were initiated to devote them slave exclusively to marketing and management of these innovative products. We are happy to report that we have achieved a good measure of success although there is a long way to go. These schemes that we have introduced have created great stir and enthusiasm among th e general mass who, before these projects started functioning, could not even dream of owning a policy that provides the much needed life insurance coverage along with facility of regular savings on a long-term basis. At a later stage i.e. in the year 2002, the projects were merged into a division of Delta Life, namely, Gono Grameen Bima Division. The GNGRB Division has been growing at a first rate of more than 25% p.a. for the last couple of the years and is poised to maintain this growth rate at least in the next five years or so. Delta Life can take pride in moulding the saving habits of the lower and middle class people and transforming them into prospective policyholders. The potential is now so strongly perceived that all life insurance companies old and new alike operating in the country have started their own micro insurance products. Finding Ordinary Life Insurance Delta Life offers a wide variety of ordinary life product/plans ranging from the most common endowment type to more modern and sophisticated plans like endowment with open term, pension plan with built in provision for  increasing pension, increasing protection with provision for premium refund etc. The plans have been designed keeping in view the diverse and multifaceted needs of the insuring public belonging to different strata of the society. Some of the popular plans are briefly described below. Group Life Insurance Group Insurance is an instrument for providing life insurance coverage (protection) to a number of individuals under a single contract (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 insured member and/or his family in case of devastating events like-death, disability, disease as well as retirement. Group Insurance has already established its importance as a component of Employee Benefit Package in Bangladesh. Exclusive features of Group Insurance are: Insurance coverage to a number of individuals under a single contract. Simple insurable conditions Easy administrative procedure Prompt claim settlement Affordable premium Tax exemption on premium Delta Life offers a host of Group-Life Insurance schemes from which an organization/ employer may choose for benefits of its members/employees, as may best serve their interest according to organizational setup. To be treated as a group, the following criteria need to be fulfilled. A Group Should comprise of at least 15 members It should be a legitimately organized body Group clients of Delta Life Insurance Company Limited include: Semi-Government organization, autonomous bodies Private, Non-Government Organizations (NGOs) Educational Financial Institutions Public Limited Companies Associations, Business organizations etc. Group Life Insurance Schemes offered by Delta Life are of two types: Traditional Schemes: For insurance coverage of members/employees of a Group Exclusive Schemes: For insurance coverage of clients of Financial Institutions Traditional Scheme: These are the commonly offered Group-Life Insurance schemes and are also known as Basic Schemes: These are: Short Term Contract Group Term Life Insurance Scheme (GT) Group Term Life with Premium Refund Scheme (GTR) Long Term Contract Group Endowment Life Insurance Scheme (GEN) Group Pension Scheme (GP) There are several variants of Basic Schemes. Examples of two variants of GTR are GTR-100/10: Group Term Life with 100% Premium Refund after 10 years GTR-50/10 : Group Term Life with 50% Premium Refund after 10 year 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 become an essential, dependable, acceptable and the most cost effective means to make the modern treatment facilities affordable to all socio-economic classes of people, especially the fixed income group. As a pioneer of Health Insurance in Bangladesh, Delta Life Insurance Company offers several Health Insurance Schemes, which are as follows: Hospitalization (In-patient) treatment coverage plans Hospitalization Insurance Plan (Group)- offered to Members of a group and their dependants (if desired) Hospitalization Insurance Plan (Individual) – offered to an Individual as well as his or her dependant family members also known as Delta Care Hospitalization Plan. Out-patient treatment coverage plans Out-patient Insurance Plan Offered as an adjunct to Group Hospitalization Out-patient Management Plan Offered as an adjunct to Group Hospitalization Overseas treatment coverage plan for travelers Overseas Medicliam Policy (OMP) – A pre-requisite for visa application offered only to Individuals traveling abroad. Hospitalization Insurance Plans Covers in-patient (Hospitalization) treatment expenses of an insured member Expenses Covered under Hospitalization Insurance Plans Hospital Accommodation Consultation Fee Medicine Accessories Medical Investigations Surgical Operation Ancillary Services like Blood Transfusion, Ambulance Service, Dressing etc. General Features of the Scheme No need for preliminary Medical Examination during enrolment. Treatment coverage round the clock inclusive of Accidents and Emergencies. Coverage offered to Bangladeshi National as well as resident foreigner. Treatment at any renowned hospital or clinic by consultant of own choice. Preferential 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 card for each insured to facilitate preferential services. Option for Maternity Benefit and Overseas Treatment coverage. Provision for inclusion of Spouse 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 grades to choose from. Option to choose more than one grade according to status of the members of a group. Option to alter benefit grade during renewal. Gono Grameen Bima Delta Life first launched Micro-insurance product in 1988 through its Grameen Bima Project (GRB) to cater 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 beginning by creating great interest among the target population who could not even perceive 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 efficient 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 simple and straightforward practices. Yet, the results are so encouraging that Delta Life is now regarded far and wide as the undisputed leader espousing the cause of welfare of teeming millions and its experiences are now used to advantage not only by indigenous companies but also other micro-savings organizations abroad. Target Group and the Product In GN-GRB the formalities are minimum. Insurance Cover is given under 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 Declaration of Good Health (DGH) at the time of submitting the Proposal form. Death 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 exclusion clause. Simple 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 irrespective of age at entry. Besides this plan, new plans like three-payment plan with 12 and 15 years term and double protection endowment plan have recently been introduced. 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 purpose 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. 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 calculated 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 door to door by the organizers. Recently a decision has been taken to establish small collection booths in the villages. A person must be a policyholder and pay premiums for at least 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. Also 100% of premium collection of a committee is available for loan to that committee. Company overview Crystal Insurance Company Limited is one of the leading general insurance (Non Life) company in private sector in Bangladesh. The company transacts a wide range of General Insurance business in Bangladesh and expertise in the field with sound and stable financial position. Our Mission To provide prompt, efficient and professionalized services for maximum risk coverage of the insured. To provide insurance coverage at the most competitive premium rate ensuring maximum security. To promote Human Resource development and professionalism in insurance business. To settle insurance claim promptly. CICL believes in the quality of the deals struck rather than the quantity of it. With our knowledge and expertise it is our commitment to the insuring community to deliver them the highest standard of security and professionalism. Finding Fire Insurance Fire Insurance Policy (including R SD, Flood, Cyclone Earthquake coverage) Industrial All Risks (IAR) Engineering Insurance Machinery Insurance {Machinery Breakdown Policy (MBD)} Deterioration of Stock (DOS) Boiler and Pressure Vessel (BPV) Electronic Equipment Insurance (EEI) Erection All Risk Policy (EAR) Contractor’s All Risk Policy (CAR) Motor Insurance Motor Insurance for Commercial Vehicle Motor Insurance for Private Vehicle Motor Insurance for Motor Cycle/Scooter Marine Cargo Insurance Marine Cargo Insurance transit by Steamer or Power Vessel Marine Cargo Insurance transit by Rail/Lorry/Truck Marine Cargo Insurance transit by Inland Rail or Road Conveyance Marine Cargo Insurance transit by Inland Cargoes (water borne) Marine Cargo Insurance transit by Air Cargo Miscellaneous Burglary House Breaking Insurance Cash-in-Safe Cash-in-Transit Cash-in-Premises Cash-in-counter People personal Accident Workmen’s Compensation Policy Business Interruption Overseas Med claim and Holiday Insurance Public Liability Policy Product Liability Policy Consequential Loss Householders Comprehensive Policy