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- Early claim on terminal illness Included
- Accidental Death Benefit Rider ₹ 53
- Waiver of Premium Free
- Early claim on terminal illness Free
- Waiver of Premium Free
- Early claim on terminal illness Free
SBI Life Insurance
Founded in the year 2001, as a joint venture between State Bank of India & BNP Paribas Cardif , two highly distinguished service provider in financial domain. SBI holds 74% of the total capital and BNP Paribas Cardif holds 26% of the total capital.
Since then SBI Life Insurance has transpired the insurance sphere in India and is one of the key player in insurance domain as on date.
The products offered as not only as versatile it could be to cater the need of every Indian, but are also loaded with dexterity of State Bank of India.
The Life Insurance plans are offered in three categories by SBI Life insurance as per the customer need and their base
- Individual Plans
- Group Plans
- Online Plans
Individual Plans
The SBI Life Insurance individual plans are designed to cater the needs of individual customer in every walk of life. The variants of Individual Plans are
- Protection Plans
- Savings Plans
- ULIP's Plans
- Child Plans
- Pension Plans
- Money Back Income Plans
SBI Life Insurance- Protection Plans
The protection plans offered by SBI Life Insurance Policy ensure insurance benefits and bonuses alongside tax benefits.
The various Protection plans offered by SBI Life Company are listed below.
Protection Plan
Policy Term
Maturity Benefit
Death Benefit
SBI Life - eShield
18 to 65 years
5 to 30 years
Sum Assured
SBI Life – Poorna Suraksha
18 to 65 years
10 years/ 15 years/ 20 years/ 25 years/ 30 years
Sum Assured
SBI Life – Sampoorn Cancer Suraksha
Adult - 18 to 65 years
5 to 30 years
Standard Benefit/ Classic Benefit/ Enhanced Benefit (as per type of Cancer and stage upon diagnosis)
Child – 7 to 17 years
SBI Life – Smart Shield
18 to 60 years
5 to 30 years
Sum Assured
SBI Life – Saral Shield
18 to 60 years
5 to 30 years (subject to undertaking)
Sum Assured (subject to undertaking)
SBI Life – Saral Swadhan+
18 to 55 years
10 years/ 15 years
Increased percentage of Total Premiums Paid, subject to Policy Term
Sum Assured
SBI Life – Smart Swadhan Plus
18 to 65 years
10 to 30 years
100% of total premiums paid
Sum Assured
SBI Life – Grameen Bima
18 to 50 years
5 years
Sum Assured
SBI Life - eIncome Shield
18 to 50 years
10 to 35 years
Sum Assured (payable lump-sum or as Monthly Income)
SBI Life - eShield
- A term insurance plan to financially secure your family based on the chosen plan option.
- Flexibility to choose between two plan options suiting your protection needs
- Two additional riders to provide comprehensive coverage
- Easy and hassle-free online application process
- An extensive range of benefits at affordable premium rates
- Discount in premium rates for non-smoker applicants
- Option to get second medical opinion from a panel of doctors
- Tax benefits (applicable as per preceding Income Tax Laws) and are subject to change from time to time.
SBI Life - Smart Shield
- A term plan to meet the fincial objective of those who wants insurance cover within their means.
- High Sum Assured rebates.
- Manifold variants to offer peace of mind from all the liabilities .
- Option to include higher coverage benefit vide Accidental Death Benefit Rider, SBI Life - Accidental Total and Permanent Disability Benefit Rider and Accelerated Critical Illness cover option.
- Tax benefits* as per prevailing norms under the Income Tax Act, 1961.
- Accelerated Critical Illness benefit to widespread the span of critical illness cover.
SBI Life - Saral Shield
- A simplified term insurance plan to cover every step of life.
- Option to choose plan from multiple variants from Level Term Assurance , Decreasing Term Assurance (Loan Protection) or Decreasing Term Assurance (Family Income Protection)
- Higher sum assured rebates and special discounts on premium for women customers.
- Provision to induct rider plans for enhanced protection cover SBI Life- Accidental Death Benefit Rider and SBI Life- Accidental Total and Permanent Disability Rider.
- Option to choose on premium payment terms as single premium, monthly, quarterly , half yearly or annually.
- Tax benefits as per prevailing norms under the Income Tax Act, 1961.
SBI Life - Grameen Bima
- A customized micro-insurance plan for the underprivileged and economically susceptible segments of the society.
- Alternative to choose premium amount as per capacity and insurance cover required.
- Simple and hassle free documentation
- No medical examination, only a self deceleration of good health is required.
- Surrender is allowed from 2nd year onwards.
- Income Tax benefits as per prevailing It rules.
SBI Life Insurance- Savings Plans
SBI Life insurance through its specially crafted Savings Plans caters the need of both protection and saving under one umbrella. Savings plans allow customer to plan well ahead for any untoward event in future and have a source of regular income as well.
Various types of Insurance saving plans in SBI Life insurance are
Savings Plan
Policy Term
Maturity Benefit
Death Benefit
SBI Life – Shubh Nivesh
18 to 60 years
5 to 30 years
Available, payable as per policy option
Payable as per policy option
SBI Life – Smart Bachat
8 to 50 years
10 to 25 years
Sum Assured plus Maturity Bonus + Terminal Bonus, if any
Sum Assured plus Maturity Bonus + Terminal Bonus, if any OR 105% of total premiums paid, subject to policy option
SBI Life – Flexi Smart Plus
18 to 60 years
5 to 30 years
Policy Account Value and Terminal Bonus, if any
As per completed Policy Term and Policy Option
SBI Life – CSC Saral Sanchay
18 to 60 years
10 years/ 15 years
Total of all premiums paid, or balance in IPA, whichever is highest
Sum assured, or 105% of premiums paid, or Total of all premiums paid, or balance in IPA, whichever is highest
SBI Life – Smart Women Advantage
18 to 50 years
10 years/ 15 years
Sum Assured, plus Maturity Bonus, plus Terminal Bonus, if any
Sum Assured plus Bonuses or 105% of premiums paid, whichever is higher
SBI Life – Smart Guaranteed Savings Plan
18 to 50 years
15 years
Sum assured plus accrued bonuses, if any
Sum assured plus accrued bonuses, if any
SBI Life – Smart Humsafar
18 to 46 years
10 to 30 years
Sum assured, plus Maturity Bonus, plus Terminal Bonus, if any
Subject to age at entry and age at the time of death: inclusive of Sum Assured and other bonuses
SBI Life – Smart Money Planner
18 to 60 years
15 years/ 20 years/ 25 years (subject to plan option)
Sum Assured on Maturity, plus Maturity Bonus, plus Terminal bonus, if any
Sum Assured on Death, plus Maturity Bonus, plus Terminal bonus, if any OR 105% of Premiums paid, whichever is higher
SBI Life – Smart Money Back Gold
14 to 55 years (subject to plan option)
12 years/ 15 years/ 20 years/ 25 years
Sum assured at Maturity
Sum Assured on Death, plus Maturity Bonus, plus Terminal bonus, if any OR 105% of Premiums paid (Minimum Death Benefit), whichever is higher
SBI Life - Smart Swadhan Plus
- This is an Individual Non-linked Non-participating Term Insurance plan with guaranteed return on premium paid.
- Life insurance coverage term between 10 to 30 years for any unseemly event.
- Can be opted as a single premium plan or limited period premium plan.
- Higher proportionate discount as per sum assured.
- Tax benefit under section 80Cand Section 10(10D) of income tax rules on premiums paid.
SBI Life - Smart Humsafar
- An endowment plan with the benefit of life insurance cum savings for both self and spouse .
- Assured minimum bonus of 2.5% of basic sum assured for the first 3 years.
- Complete financial shield in the case of death of either or both the insured.
- Waiver on premium to be paid in the event of death of any one life insured.
- Add on benefit available on reasonable cost.
- Maximum age difference between life assured should be of 20 years.
- Premium frequency can be opted as Yearly / Half-yearly / Quarterly / Monthly.
- Tax benefits## as per prevailing norms under the Income Tax Act, 1961
- A profit endowment assurance plan with assured return to generate regular income.
- Features of savings plan with growth period to accomplish all forthcoming financial requirements
- Life cover available throughout the Premium Payment Period, Growth Period & Benefit Payment Period i.e. throughout the Policy Term
- Option to enroll as either single premium or limited premium payment plans .
- Rebates offered for Large Sum Assured.
- Four different plans variants to choose as per requirement and future planning.
- Multiple benefits under single policy as Survival Benefits, Survival Benefits, Maturity Benefit & Tax Benefits
SBI Life - CSC Saral Sanchay
- A simplified, variable insurance cum savings plan.
- Hassle free enrollment process
- Regular payment of minimum Floor rate @ 1.00% p.a.
- Provision of partial withdrawal from 6th year onwards to meet any urgent financial requirement.
- Two fixed policy terms of 10 years & 15 years.
- Triple benefit of death ,maturity and tax rebate.
SBI Life - Smart Income Protect
- A participating traditional savings plan with guaranteed payout after 15 years.
- Dual benefit of Insurance Cover and Regular Income.
- Regular premiums payment terms over a period of 7, 12 or 15 years.
- At the time of maturity , the benefit of Vested Reversionary bonuses plus Terminal bonus.
- Post maturity , a regular annual payout of 11% of Basic Sum Assured/Paid up Sum Assured.
- Four different rider option for life coverage
- SBI Life - Accidental Death Benefit Rider
- SBI Life - Accidental Total and Permanent Disability Benefit Rider
- SBI Life - Criti Care 13 Non Linked Rider
- SBI Life - Preferred Term Rider
SBI Life - Smart Guaranteed Savings Plan
- Individual insurance cum Savings Plan to endorse the habit of savings and thus earning on the same through guaranteed returns.
- Assured additions as per the premium amount opted.
- Guaranteed Additions are applied to the cumulative basic premiums paid and payable on simple rate @ 5.5% or 6%.
- Premium payment term as 7 years with benefit for the policy term of 15 years.
- Proportionate Life Insurance coverage as per the premium chosen.
- Annual Premium payment frequency.
- Minimum premium amount of Rs. 15,000/- thereafter in multiples of 1000 to maximum Rs. 75,000/-.
- A Participating traditional money back insurance plan customized to meet all financial obligations at particular interval.
- Survival Benefit of 110% of Sum Assured paid till maturity.
- Discounts on Large Sum Assured
- Wide assortment of add on protection plans such as SBI Life -Accidental Death Benefit Rider ,SBI Life - Accidental Total and Permanent Disability Benefit Rider , SBI Life - Preferred Term Rider and SBI Life - Criti Care 13 Non-Linked Rider.
- Multiple plan term to choose along with 4 different options.
SBI Life - Shubh Nivesh
- A lifelong coverage plan with the blend of profit Endowment.
- Available with two options (a) Endowment Option & (b) Endowment with Whole Life Option
- Manifold benefit including Wealth Creation, Insurance cover and Regular flow of income to meet all financial commitments.
- Add no benefit plans available at reasonable cost.
- Payment of basic sum assured on fixed intervals of 5/10/15/20 years.
- Extensive risk coverage through 3 Riders plans
- Deferred Maturity Payment Option available to earn income at regular intervals.
SBI Life - Saral Swadhan+
- A simplified term assurance product with return of premium.
- Dual benefit of fixed life covers throughout the policy term and guaranteed maturity benefit.
- Affordable premium starting from minimum Rs. 1,500 till Max: Rs. 5,000
- Available for two policy terms of 10 years and 15 years and fixed premium payment term of 10 years for both the plans.
- Annual premium frequency.
- Paid up value payment for lapsed policy post continuity of plan for at least 3 years.
SBI Life - Flexi Smart Plus
- An Individual Variable Insurance Product with the provision to vary the premium on later stage.
- Guaranteed minimum bonus @ 1% for entire policy term.
- Available in two protection option as gold plan and Platinum Option.
- Flexibility to increase policy term on later stage.
- Interim bonus interest rate are announced at the beginning of each financial year and Regular Bonus interest rate will be declared at the end of every financial year
- Partial withdrawal allowed offering liquidity post 6 years on plan commencement.
- Triple benefit coverage for death benefit, survival benefit at the time of maturity and tax benefit as per applicable tax rules.
SBI Life insurance- ULIP's Plans
These are market-linked insurance plans with an exclusive amalgam of both earning and protection cover. The plans are offered in multiple schemes as per the risk appetite of the customer. The various Unit-Linked plans offered are:-
ULIP Plan
Policy Term
Maturity Benefit
Death Benefit
SBI Life – Smart Wealth Builder
7 to 65 years
5 to 30 years
Fund Value
Fund Value or Sum Assured (whichever is higher)
SBI Life – Smart Wealth Assure
8 to 65 years
10 to 30 years
Fund Value
Fund Value or Sum Assured (whichever is higher)
SBI Life – Smart Power Insurance
18 to 45 years
10 to 30 years
Fund Value
Fund Value or Sum Assured (whichever is higher)
SBI Life – Smart Elite
18 to 65 years
5 to 20 years
Fund Value
Fund Value or Sum Assured, whichever is higher OR Fund Value and Sum Assured (as per the plan)
SBI Life – Smart Privilege
18 to 55 years
5 to 30 years
Fund Value
Fund Value or Sum Assured or 105% of total premiums paid until demise (whichever is higher)
SBI Life – Saral Maha Anand
18 to 55 years
10 years, 15 years, or 20 years
Fund Value
Fund Value or Sum Assured or 105% of total premiums paid until demise(whichever is higher)
SBI Life - eWealth Insurance
18 to 50 years
10 to 20 years
Fund Value
Fund Value or Sum Assured or 105% of total premiums paid until demise(whichever is higher)
SBI Life - eWealth Insurance
The key features of this plan are
- Available in two options growth and balance.
- Automatic asset allocation for tranquil investment experience.
- Nil Premium Allocation Charges
- Available Online in quick and simple process
- Easy on pocket premium structure, starting with Rs. 1000/- as monthly or Rs. 10,000/- as yearly premium.
- Available for customers aged between 18 years till 50 years and subsequent maturity of policy @ 60 years.
- Partial withdrawal allowed post 6 years of continuity of policy.
- Double benefit of Maturity & Death Benefit
SBI Life - Smart Wealth Assure
- A single premium plan with flexibility to choose funds as per risk appetite .
- Return can be availed either as – Bond Fund & Equity Fund
- Can be modified to avail accidental death benefit under the plan .
- Available for customer between the age group of 8 years till 65 years and the Maturity is at the age of 75 years.
- Minimum premium amount for enrollment is Rs. 50,000/- with no cap on maximum amount.
- Three fold benefit of maturity, Death and accidental death benefit.
SBI Life - Smart Scholar
- A market link plan intended to provide a safe and sound financial coverage in future to our children.
- Flexibility to choose premium frequency as monthly, quarterly , half yearly or yearly.
- Manifold protection coverage and benefit such as Sum assured payment , waiver on premium and Accidental benefit in case of Death or Total and Permanent Disability.
- Loyalty addition for steadfast customer who have continued policy as per the term.
- 7 varied funds available to be opted for as per risk appetite of customer.
- Partial withdrawal allowed.
- Available only for minors till the age of 17 years. Whereas on Maturity, the age of child should be between 18 to 25 years.
SBI Life - Smart Power Insurance
- A unit linked insurance plan dyed in the wool for those who wants to secure their future and achieve a predetermined financial objective in long term.
- Available as fixed sum assured option or floating cover option wherein the sum assured shall increase in proportion of 10% for every 5 years after the successful commencement of policy for more than 6 years.
- Twin fund option as Trigger Fund Option which enable to earn maximum as per the market conditions and Smart Funds Option , which provides the option to blend the investment with 7 different variance of schemes.
- Suppleness to switch twice in a policy years.
SBI Life - Smart Wealth Builder
- Assured addition up to 125% of one annual regular premium basis proper continuity of the plan till the time of maturity.
- Enhanced fund value basis Zero policy administration fee for first 5 years Regular and Limited Premium Paying Term (LPPT) plans.
- Nil premium allocation charges from 11th years onwards.
- 7 fund variants to choose from.
- Propionate Sum assured based on age and flexibility to vary the sum assured from 6th year onwards.
- Three premium payment options to choose from Regular Premium / Limited Premium / Single Premium
- Triple benefit of Maturity, death & tax saving under one umbrella.
SBI Life - Saral Maha Anand
- As the name suggest, the plan is intended to bring the joy of earning with the call for protection under one roof.
- Simple and hassle free joining fee with no medical examination required.
- Assured addition of up to 30% of one annual premium, for a 20 year policy term.
- Nil premium allocation charges and three funds options available.
- Partial withdrawal allowed to offer greater liquidity.
- Option to append SBI Life - Accidental Death Benefit Linked Rider under same plan option.
- Available for customer aged 18 years till 55 years subject to age at the time of maturity being 65 years.
- Three policy term to choose from 10 years, 15 years and 20 years.
- Four fold benefit as Maturity benefit , death benefit m Rider benefit and tax saving benefit.
SBI Life - Smart Elite
- A unit linked insurance plan tailor made for the privileged customer who wants to pay premium for a limited tenor and stay with the investment in market for longer term.
- Premium payment term is fixed as 5, 8 or 10 years or a Single Payment.
- Nil premium allocation charges from 6th year onwards.
- Available in two insurance option as gold and Platinum.
- Continuous monitoring of policy with Switch and redirection facility.
- Flexibility to vary sum assured from 6th years onwards.
- Add on benefit of Accidental Death and Accidental Total and Permanent Disability benefit.
SBI Life Insurance- Child Plans
SBI Life Insurance Policy also offers Child Plans to ensure a safe and secure future for children so that their monetary expenses are covered.
Child Plan
Policy Term
Life Benefit
Maturity Benefit
SBI Life – Smart Champ Insurance
21 to 50 years
21 years – child's entry age
Smart Benefits as per policy
SBI Life – Smart Scholar
18 to 57 years
8 to 25 years
Sum Assured or 105% of total premiums paid until demise(whichever is higher)
Fund Value
SBI Life - Smart Champ Insurance
- An paramount insurance plan designed expressly to ascertain the financial protection of children's future and leaves no stone unturned to compromise on dreams and ambitions of the child
- To cover the educational needs, smart benefits is paid between 18th years till 21st year of the child in four equal installments.
- Option to enroll into the plan as one time premium or limited period premium .
- Cover against unfortunate event to ensure safe and sound future of the child.
- In the event of any misfortune, waiver on all forthcoming premiums , without discontinuation of any accrued bonuses.
- Terminal bonus to cover child's higher education
- Tax benefits available under section 80(c) as per IT regulations .
- A smart non participating Unit Linked Insurance Plan , designed to cater the need of those responsible parents who plan well ahead of their child's future .
- A market link plan intended to provide a safe and sound financial coverage in future to our children.
- Flexibility to choose premium frequency as monthly, quarterly , half yearly or yearly.
- Manifold protection coverage and benefit such as Sum assured payment , waiver on premium and Accidental benefit in case of Death or Total and Permanent Disability.
- Loyalty addition for steadfast customer who have continued policy as per the term.
- 7 varied funds available to be opted for as per risk appetite of customer.
- Partial withdrawal allowed.
- Available only for minors till the age of 17 years. Whereas on Maturity, the age of child should be between 18 to 25 years.
SBI Life Insurance- Pension Plans
SBI Insurance offers several retirement plans so that customers can easily build a safe haven for themselves upon retirement and continue to be self-sufficient.
Retirement Plan
Policy Term
Vesting Benefit
Death Benefit
SBI Life – Saral Pension
18 to 65 years
10 to 40 years
Sum assured or Total premiums paid accumulated with compound interest, plus bonuses (if any)
Available (as per policy option)
SBI Life – Retire Smart
30 to 70 years
10 to 35 years
Fund Value + terminal Addition, or 101% of total premiums paid, whichever is higher
Fund Value + 105% of total premiums paid until the demise
SBI Life – Annuity Plus
40 to 80 years
As per undertaking
SBI Life - Saral Pension
- A traditional pension plan tailor-made for senior citizen to enjoy every moment of life post retirement from work.
- Guaranteed simple reversionary Bonuses for first 5 years; @ 2.50% for first three years and @2.75% for the next two years, of the Sum Assured.
- Triple benefit provision i.e. Maturity benefit , Death Benefit and life cover.
- Flexibility to defer vesting date up to the age of 70 years or extend the accumulation period.
- Tax Benefits available as per Income Tax Act, 1961.
SBI Life - Retire Smart
- A unit linked pension plan to allow individual plan ahead of their financial needs post retirement and being independent for any surplus requirement in situation of financial exigency.
- Guaranteed additions of up-to 210%* of Annual Premium to offer enhanced fund value.
- Assured addition of 10% of annual premium, paid annually post successful continuity of policy more than 15 years till the time of maturity.
- Terminal Additions of 1.5% of Fund Value, at maturity/vesting or on earlier death.
- impeccable management of portfolio through Advantage Plan option which offers minimum of 101% of all premiums paid at maturity/vesting..
- Flexibility to choose premium payment terms.
- Option to postpone vesting age as per requirement.
SBI Life - Annuity Plus
- A traditional non-participating annuity plan to cater the need of those who desire to maintain the same life style even post retirement
- Numerous variant of annuity option available to be opted.
- Regular income post the age of 40.
- Option to include family members for lifetime annuity payout .
- suppleness to choose frequency of annuity payout from Monthly, Quarterly, Half-yearly or Yearly.
- Provision to integrate SBI Life - Accidental Death Benefit Rider
- Proportionate higher rate for annuity on higher premium amounts.
Group Plans from SBI Life Insurance
The Group Plans offered by SBI Life Insurance Company provide effective insurance and protection solutions to groups. These are categorized as follows:
- Corporate Solutions
- Group Loan Protection Products
- Group Micro Insurance Plans
Corporate Solutions
SBI Life company brings a host of corporate solutions to the customers. These are customized to meet the requirement of corporate bodies to strengthen employer-employee relationship.
Various products offered to corporates are based on both statutory requirements as well as voluntary ones.
Group Plan
Policy Term
SBI Life – Kalyan ULIP Plus
18 to 79 years
1 years to No Limit
SBI Life - CapAssure Gold
As per scheme rules
1 year, renewable
As per scheme rules
SBI Life – Gaurav Jeevan
18 to 85 years
Minimum number of members - 50
As per scheme rules
SBI Life - Pradhan Mantri Jeevan Jyoti Bima Yojana
18 to 50 years
1 year, renewable
Sum Assured- benefit upon Death
SBI Life – Sampoorn Suraksha
18 to 79 years
Minimum number of members - 10
Death Benefit Sum Assured
SBI LIFE - Swarna Jeevan
30 to 85 years
Minimum number of members -10
Death Benefit
Retirement Solutions
SBI life retirement plans are perfectly designed for corporate to bid adieu to its employee with the joy and peace of mind for any financial obligations pots retirement.
The variants of retirement plans are
- SBI Life - Kalyan ULIP Plus
- SBI Life - CapAssure Gold
- SBI Life - Gaurav Jeevan
- SBI life - Swarna Jeevan
SBI Life - Kalyan ULIP Plus
- A unit linked fund based group life insurance product offered to employer-employee groups only.
- Pervasive benefit to master policy holder and other group members.
- Flexibility to pay premium any time annually based on fund valuation report.
- Proportionate loyalty benefit as per the fund size .
- Available Group Members of 10 people and above between the age of 18 years and 79 years.
- Systematic Transfer Option offering maximum return on the capital with minimum risk .
- Insurance benefit including gratuity and leave encashment schemes.
- Dedicated service team for hassle free operation and claim settlement.
- A variable group insurance product offered only to employer – employees groups to deal with employees' gratuity, leave encashment and superannuation benefit schemes
- Can be availed as Defined Benefit (DB) or Defined Contribution (DC) or Hybrid schemes.
- Mandatory insurance cover for Gratuity and Leave Encashment schemes.
- Free look Period for 30 days to review policy terms and conditions.
- Income Tax exemptions available as per the applicable income tax laws.
SBI life - Swarna Jeevan
- A Group Immediate Annuity Plan for Employer-Employee groups.
- Available as either single annuity plan or joint annuity plan.
- Annuity payment post 12 months of commencement of plan subject to periodicity opted.
- Customized annuity plan and enhanced rate of Annuity considering group effect.
- Available for group member and their spouse between 35 years to 85 years and 18 years to 85 years respectively.
- Annuity amount of Rs. 1,200/- per person per annum.
SBI Life - Gaurav Jeevan
- An annuity based plan for Central Government / State Governments/ Government Enterprises and their agencies.
- In-house investment counseling apposite to the risk appetite of members.
- Provision for transfer of annuity liability
- Flexible annuity term & enhanced rate of annuity.
- Supple options with Income Protection on Death.
- Available for a group of 50 individuals aged between 18 years to 85 years.
- Wide range of annuity term between 5 years to 35 years.
- Annuity amount between minimum Rs. 100/- with no cap on maximum limit
SBI Group Protection Plans
SBI life insurance offers its group based customer with manifold protection plans to be all geared up for any unpredicted and untoward event.
SBI Life - Pradhan Mantri Jeevan Jyoti Bima Yojana
- A very recent inclusion in insurance sphere, this is one year renewable group term insurance product.
- Low cost premium for maximum inclusion in insurance domain.
- Easy enrollment and simplified processing and no medical checkup is required.
- Fixed premium amount as Rs. 330/- with sum assured of Rs. Two lakhs.
- No maturity or surrender benefit.
- Income tax exemptions available as per It rules .
- A yearly renewable group term insurance plan offering first-rate protection at reasonably priced rates.
- Available to any form of group.
- Flexible options such as Spouse cover benefit, switch & Terminal illness benefit
- Multiple Options to choose sum assured based on group requirement.
- Life Cover in lieu of Employee Deposit Linked Insurance (EDLI) scheme
- Manifold range of rider plans available for all inclusive protection cover.
SBI Life - Suraksha Plus
- A Group Term Assurance product focused to provide life cover to group members for a fixed term.
- Flexibility to choose sum assured as either Uniform cover or based on grade/designation.
- Multiple premium frequency can be opted out of yearly, half yearly, quarterly or monthly.
- Surrender facility available for Single Premium mode .
- Available for a minimum group size of 50 members.
SBI Group Loan Protection Plans
SBI life insurance offers its group-based customers manifold protection plans to be all geared up for any unpredicted event.
Group Plan
Policy Term
SBI Life – RiNn Raksha
16 to 70 years
2 to 30 years
Death and disability cover
SBI Life - RiNn Raksha, a group credit life insurance plan meant for protection from liability obligation towards loans availed.
- Provides protection towards most of loan types such as Housing Loans, Car Loans, Agricultural Loans, Educational Loans and Personal loans.
- Option to choose loan cover term as per the loan term availed.
- Flexible Premium Paying Terms as single premium (SP) or as level premiums (LP) payable for 5 or 10 years.
- Provision to induct 2 co-borrowers apart from the primary borrower.
- Add on cover plan available in two variants (a) Gold Plan (b) Platinum plan.
- In the event of death, loan outstanding balance at the time of death shall be considered as death cover amount.
SBI Group Micro Insurance Plans
SBI insurance Group Micro Insurance Plans are specially crafted for the inclusion of financially weaker segment of society into insurance sphere.
Policy Term
Maturity Benefit
Death Benefit
SBI Life – Shakti
18 to 60 years
Minimum group size- 10 members
5 years
50% of premiums paid
Sum assured
SBI Life – Grameen Super Suraksha
18 to 65 years
5 years
No benefit
Sum assured
SBI Life - Grameen Shakti
- A group micro insurance plan designed to address the insurance need for those who are funded by Micro Financial Institutions or NGO's or have availed loan from Bank/ Financial Institutions through Self Help Group.
- Option to choose sum assured amount as per the requirement of group members.
- Maturity benefit as refund of 50% of the premiums paid .
- Fixed policy term of 5 years.
- Affordable premium @ minimum of Rs. 85/- and maximum of Rs. 925/- per month.
- Annual premium payment frequency.
- Surrender benefit available on request either through master policy holder or individual members subject to premium payment of two years.
SBI Life - Grameen Super Suraksha
- A group based micro insurance scheme intended to provide insurance cover to economically susceptible sections of the society .
- Affordable premium amount
- Flexibility to choose sum assured amount for the group members.
- Fixed policy term of 5 years.
- Premium frequency could be either singly or annually.
- Minimum Premium amount as either Rs. 102.50/- or Rs. 22.50/- for Single Pay and Regular Pay options respectively.
- No maturity benefit.
- Free look period of 15 days to review terms and conditions of the plan.
- Waiting period of 45 days from the date of commencement of risk or date of revival
SBI Life Online Plans
SBI life insurance offers a state-of-the-art online platform to enroll for various life insurance plans. Plans which are available online are:
- SBI Life – eShield
- SBI Life - eWealth Insurance
- SBI Life – Annuity Plus
- SBI Life - eIncome Shield
- SBI Life – Sampoorn Cancer Suraksha
- SBI Life – Poorna Suraksha
- SBI Life – Kalyan ULIP Plus
- SBI Life - CapAssure Gold
- SBI Life – Gaurav Jeevan
- SBI Life - Pradhan Mantri Jeevan Jyoti Bima Yojana
- SBI Life – Sampoorn Suraksha
- SBI LIFE - Swarna Jeevan
Other Online Facilities offered by SBI Life Company are:
- Online Premium Calculator
- Need Analysis Calculator
- Retirement calculator
- Child education planner
- Tax calculator
- Check NAV online.
SBI Life Insurance - FAQ
1. How to pay premium? What are the modes of payment available?
There are 10 modes to pay your SBI Life Insurance premium namely:
- Direct Remittance At Sbi Life Branch By Post Or Courier
- Electronic Clearing Service (ECS) – Mandate
- Direct Debit
- Standing Instruction On Your Credit Card
- Online Payments
- Through State Bank Group Atms
- Payment Through Visa Bill Pay.Com
- Online Payment Of Premium Through Sbi Life Website
- Si-Eft For State Bank And Associate Banks' Account Holders
- Payment Through Point Of Sales (Pos) Terminals At Select Sbi Life Branches
- Payment Through Easy Access Mobile Application
- Pay Premium In Cash At Authorized Collection Centers
- Nach (National Automated Clearing House)
NACH is a newly launched service that works on the same principle as that of ECS, which requires filling in a form and getting registered before availing this facility.
2. How to check policy status?
For checking your SBI life insurance policy status online, login to e-portal . You need to enter customer ID, date of Birth and policy number. The details of the policy along with the status is displayed on the next screen.
3. What is the policy renewal process?
Renewal of policy can be done by the following modes:
- Online
- Through SMS
- Through SBI Brach
- By Cash
For renewal process, after login into your account, click on the 'Renew Policy' tab to proceed with premium payment.
Alternatively, you can renew the process by using the kiosk in the SBI ATM and select the option for renewal process.
4. What is the company's process to settle claim?
The procedure for settling claim through SBI life Insurance requires intimating the nearest branch by submitting the list of documents as specified in the website. After the documents are verified, the claim is settled as soon as possible.
5. What is the policy cancellation process?
The policy cancellation process requires you to submit a duly filled surrender form along with relevant documents in the nearest SBI branch in your city. Upon receiving and verifying the documents, the policy is deemed cancelled as per bank accounts record. The premium refund is calculated on NAV value prevailing at the current market rate, if you submit the policy before 3:00 PM , else next day's NAV value is applicable.
SBI Life Insurance - Latest News
SBI Life Stake Sold by KKR
On July of 2019, KKR sold 1/3rd of the shares it essentially held in SBI Life Insurance Co. Ltd. The SBI insurance holds the reputation of being among the leading and most prestigious insurance companies in India. The prominent American private equity major, Kohlberg Kravis Robert sold these shares through a block deal on the market, as per the data from the stock exchange.
SBI Life Insurance Company to compensate for mis-selling
The District Consumer Disputes Redressal Forum of Panchkula has bound SBI Life Insurance Company to pay Rs. 60,000 as compensa¬tion to the complainant's family for failing to impart them of the terms and condi¬tions of their policy before completing the sale of policy. Kailash Kumar Shoree and his daughter Neha Shoree along with another relative Arun Shoree have filed the complaint.
As per the judgement given by District Consumer Disputes Redressal Forum that as per some commonly made observation, it is impossible for a party to face the complete documentation process before making a signature. There are a several cases wherein the complaints made by the complainants have been upheld in each case. The people who have made the complaint had invested Rs. 3 lakh each in a pension plan named SBI Life Unit Plus in August 2010.
SBI Life launches women-specific life insurance policy
SBI Life Insurance Company has introduced a life insurance plan for women that provides benefits such as savings, life cover, and coverage against women-specific critical illness. The product was launched on the International Women's Day.
The plan has been specially designed keeping the women-specific needs and issues in mind. The plan has been named as 'Smart Women Advantage' plan. This plan is basically a traditional endowment individual plan which has a health component built into it.
This insurance plan, along with providing live cover, also offers savings and health benefits for women.
The plan also has some riders or optional benefits for child birth related abnormalities, congenital anomalies, such as APC and CA, additional complications associated with pregnancy along with other women-specific diseases or ailments.
SBI Life Records Growth in New Biz Premium and Premium Renewals
SBI Life Insurance Co. Ltd., the leading private life insurance provider, has recorded a 35% growth in new business premiums, along with a 20% growth in premium renewals. Till December 2015, SBI Life Insurance raked in new business premium of Rs. 5,270 crores while renewal premiums for the company stood at Rs. 5537 crores. Considering these figures, the company is projecting a profit after tax of Rs. 810 crore during the 2015 to 2016 financial year. A majority of the sales this year were recorded by the company were completed through the bancassurance, which is of course because State Bank of India and its associates are among the key providers for SBI Life products. This represents 60% of the company's total sales this year, compared to last year, when the bancassurance channel represented 51% of the overall sales. The company also witnessed a preference among customers for debt instruments during the current year.
SBI Life expecting 30-35% growth in upcoming 3 years
As told by SBI Life Managing Director and CEO, Arijit Basu, SBI Life Insurance Company is predicting 40% growth in new business premium in financial year 2016-2017. The Company is eyeing at a general growth of 30-35% for the upcoming couple of years. This growth is expected on the back of bancassurance distribution segments and growing agency.
He further added that the company is expecting 30-35% growth in the following 2 to 3 years. The same will majorly happen by maintaining growth at a rate of 15 % in its agency model and rising growth anticipated in its bancassurance model. He also said that the company wants to keep up 20 to 25% growth in its agency model and more than 50% growth in its bancassurance model.
Basu also stated that the company has not exploited the bancassurance model completely as yet, but is aware about its immense potential. Basu also stated that 2015-16 has been a good year due to the growth of new business premium (NBP) by 48% during the third quarter.
SBI Life Ranked as 2nd Highest Valued Insurer in India
SBI Life Insurance has become the 2nd most valued insurer in India after Life Insurance Corporation after the evaluation of the joint venture between State Bank of India and BNP Paribas Cardif at Rs. 25,000 crore. SBI Life has a wide operational network of 17,000 insurance branches across India in association with its largest network of banks. The company was pretty interested in evaluation process considering it part of its stake sale to its foreign-based business partner and has already agreed to sell 10% of its stake to its present shareholder. At present, SBI Life has a valid capital of Rs. 2,000 crore, which is separate from its paid-up capital of current market value Rs. 1,000 crore. Nevertheless, the embedded value of the capital has not been declared yet, which is equivalent to the current value of its prospective profits. Not to forget, SBI Life has reported a 12.5% downfall in its net profit at the end of H1 of current financial year.
SBI Life Insurance is awarded by IOD for Corporate excellence
"Golden Peacock National Quality Award", which is a prestigious award presented for achieving corporate excellence, has been received by SBI Life Insurance Company. SBI Life is one of the leading players in Indian Insurance market. SBI was presented with this award at the 26th World Congress on "leadership for business excellence and innovation" (2015) organized by the Institute of Directors, India. The award ceremony was held at the Meydan Hotel, Dubai (UAE).
"Golden Peacock National Quality Award" was introduced by the Institute of Directors, India in the year 1991. One of the main objectives of this award is to enhance an organization's brand image as well as to improve the overall quality of major corporate areas. "Golden Peacock" winners are regarded as the business leaders in their respected industry. Hence, this award marks a great achievement for SBI Life Insurance.
The IPO of SBI Life Insurance to happen only after FY 2016-17
As revealed by a source, the IPO (initial public offering) by SBI Life Insurance Company, a JV between BNP Paribas Cardiff and State Bank of India, can happen only after financial year 2016-17 is over.It is being expected that BNP Paribas Cardiff will raise its shareholding in SBI Life Insurance by 10 to 36 % before the month of September this year. Arijit Basu, the Chief Executive Officer and Managing Director of SBI Life, quoted that the procedure of increasing stake will take place before the ending of September, and by the end of FY 2016-17 the declaration regarding the IPO can be made. He further added that the company's valuation will be based on its performance in the FY 2015-16.
SBI Life Insurance Company informed a 5% growth in the net gains at Rs. 861 Crore for the financial year ending on 31st March, 2016. The company recorded a net profit equal to Rs. 820 Crore in the FY 2014-15.The premium generated from new individual businesses increased by 3 % to Rs. 4,978 Crore in the FY 2015-16 from the previous level of Rs. 3,757 Crore recorded in the previous fiscal.
- SBI Life Insurance & Indian Bank Ink Bancassurance Pact
- KKR Sells Stake in SBI Life worth $73 Million
- Carlyle Purchases 9% Stake in SBI Life Insurance
- BNP Paribas Cardif Proposes to Increase Stakes in SBI Life Insurance to 36%
- IRDAI Directs SBI Life Insurance Company Ltd. to Refund Commission Excess of Rs.275 Crores to Policyholders
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- Future Generali Life Insurance
- HDFC Life Insurance
- ICICI Prudential Life Insurance
- IDBI Federal Life Insurance
- IndiaFirst Life Insurance
- Kotak Life Insurance
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- Reliance Life Insurance
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- Shriram Life Insurance
- Star Union Dai-ichi Life Insurance
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SBI Life Insurance Reviews
Best insurance provider
Best buy and reliable. I recently got a life insurance for myself from SBI, which apparently is the most trusted life insurance available. I trust them when it comes to helping my family in case of any unfortunate incident. Also, my purchasing experience was made easy and swift, apart from the best deal given by Policybazaar.
Less costly
This is the plan which I have bought from SBI. Here we have to make the lump sum payment of premium amount. And in case if the person dies then the amount which has been paid will be given to the family. The premium amount is less costly. I like the plan and would recommend everyone.
SBI term insurance
SBI life eshield Term insurance policy which i buy from sbi life insurance ltd is perfect policy plan. Insurance gave me more security and more benefits. Service is fast which is given by the company members. Renewal of the plan can be done through online portal service.
Retirement policy
Services of sbi life insurance company is fantastic and on time too. I took pension policy plan from them for me and my family. Investment requirement is less and the returns are much more. Premium are low and the policy coverage is high. Claiming process is simple which can be done by anybody. Online facilities reduces the paperwork and load of wasting time in queue.
Best Services
Sbi life insurance company provides best services. I purchased ulip insurance policy from them and the premium is normal but the staff of the company and customer support team available for 24X7. Policy coverage and claims are good.
Traditional Policy
The sbi life provided me the best traditional insurance policy in very low premiums. The investment is low but the paybacks are high. Coverage is good and claims can be cleared easily by taking executives and staff members services.
Insurance Policy
Good to got the very fine child insurance policy from sbi life insurance. Policy coverage is maximum and premium is very less. Claims are easy to get and the procedure is simple, it has less paperwork. Online renewals is possible through online portal of the company websites.
Friend of mine shown me a very fine insurance policy, after seeing the great benefits of the plan i purchased the traditional insurance plan from sbi life insurance. Policy coverage is ~90% and the premium is less. Easy renewals through online portal service which can be handled by anyone.
My my sbi life eshield insurance policy is the best. Policy gives maximum coverage and claims are good. The service is quick and behaviour is very nice from the whole members of the company. Good decision to take this term insurance plan.
Child Care
The child insurance policy of mine is fantastic which is from sbi life company. Service is fast and on time given by the executives and the staff. Policy coverage is high approx. 89% and the claims are easy to sanctioned through the help of executives.
SBI term policy
Every one have insurances in this time, so i buy one for me and my family safety. Service given by the company members is fabulous and my plan is sbi term insurance which is a quality product. It gives full facilities to me and my parents.
Fantastic Insurance
Very fine terms and conditions of my sbi life eshield insurance plan. The coverage is maximum and claims are even better. Services provided by executives of the company is awesome and on time. 24X7 assistance by the staff members.
High Coverage
SBI eshield insurance plan i have is fabulous, i took it from sbi policy insurers. Just the premiums are little bit high but the returns are huge with good number of benefits. The service is super fast and renewals can be done on web portal.
Term plan
The colleague of mine suggested me a online sbi saral plan. The policy is perfect and it coverage ratio is about 91%. Service by the members of the insurance company is quick and due to this the claiming become more easier than before. Sbi policy i have satisfies me completely.
Satisfactory Policy
SBI life insurance of mine is ulip plan and policy status is great and very much beneficial after it get mature. The policy coverage and claims are high and claiming procedure is easy. The online service is also very nice and simple to access.
Trustworthy Plan
SBI pension plan is the insurance i have in low investment. Good service facilitate by sbi life insurance company members and executives. Plan can be online renewed by using easy few steps at website which can be operated by anybody.
Pension Scheme
My national pension scheme sbi is the best in market. Service is quick and benefits are many. Policy coverage is ~89% and claims are normal which can be easily sanctioned by the staff members. Easy renewal using online portal which can be operate by anyone. Very good insurance policy sbi life.
SBI policy
My sbi child plan is very nice and it provides good number of benefits. Policy coverage is high and claims are easily sanctioned. Updates are mailed to my email address regularly. The renewals are also easy to do on online portal. Thanks, sbi insurance is trustworthy.
ULIP Policy
Ulip insurance plan is very unique policy, the one which i have is fabulous which has maximum benefits and all expenditures. Premium is little but the policy coverage and claims are huge. Service is nice which provided by the staff of the company.
Pension Policy
My pension plan is very nice which secure my future. Policy covers maximum expenditures spent in future. The policy premium is less too and the claiming section is easy due to quick service facilitate by the members of company staff.
Child Plan
Child insurance policy i purchased for my little angel. Policy has great benefits with low investments. Premium is less and policy coverage is high. Service is superb with online renewal option which reduces paperwork and hassle free documentations.
Nice Insurance
The ulip insurance plan i have is okay insurance policy. The service is good and premium is low. Internet service provided by the company staff is fast and claiming get easy due to this. The documentations is hassle free now due to internet service which can be access by anyone.
The pension plan i have is good and the premium is low. Policy coverage is high and the claims are good. Service provided is fantastic facilitate by the company members. The internet service is easy to operate and everyone can easily access it.
My lovely son has secure future because of you guys provided such a good child insurance policy plan. Service you facilitate is fantastic and the policy coverage is high. Even updates of the policy is mailed to me regularly.
Marvelous Policy
I buy sbi life child policy plan for my child. Policy coverage is high 94% but the premium is low. Claims are easy to get because of the fast service provided by the executives and staff members. Daily updates are also mailed to me time to time. Fine policy good work. Good future investment and it save tax also.


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GRATITUDE: When Life Blooms in Suffering
GRATITUDE: When Life Blooms in Suffering
I usually avoid my computer on Sundays; finding that Sabbath discipline to be normally particularly helpful. But today I had to come indoors, out of the quiet of the garden, to put in words the overflow of gratitude that comes after lingering days of drought. It's not just about the joy of the replenishing rain we received this past week, nor only about the stunning splendor of the summer garden after so much hard work—it's about the constant bounty of diverse people who populate my life with their uniqueness. As I stop and recognize this parade of blessing, I can only consider myself richly blessed. Let me try to describe some moments from yesterday and some of people that have been bringing joy to my heart.
First thing in the morning, Uli and I sat in our inter-faith group that has been meeting monthly for over three years, and listened to our friend Nevan speak about her Islamic faith. She eloquently and passionately described the "ground of her being" that springs from another Abrahamic tradition. How profound to hear once again that our commonality in faith is greater than our difference. How connecting to hear of her struggle with fundamentalism, just as we struggle with the extreme elements of our Christian tradition. How inspiring for me to find some of her words be "the truth" that I needed to hear that day, that reminded me of the wellspring of Love that abounds at the core of all of our inter-connected lives.
From there I left to come back to Stonehaven for the beginning of a year-long "Yoga in the Garden" series that Jenni-Kay is teaching about her deep learning from ancient Hindu philosophy, that which links body and soul in movement and meditation; that can bring mindfulness and balance to everyday life. As I planted my feet in warrior pose, grounded on this land at Stonehaven, I was aware of a current of power that constantly has guided me, from my Christian missionary roots in Africa, to this day. I sensed the connection of the One in my life in whom I truly "live and move and have my being." It is interesting how others say the same thing about their visits here.
Laura, a first time visitor, while marveling at the garden yesterday, looked at me and said in the words of an angel: "You have all that you need here. How could you want anything more?" Little does she know of my struggles of only a few days ago, when I was sure I needed more than I had! Thank you Laura! How often do I have to learn that, like gardening, the 'garden of my life' grows slowly, and on time—despite drought, flood, fire, or human suffering of every kind. The core of Spirit in each of us grows with a tenacity and perseverance that outlasts every outward circumstance of life. It is in working through these hardships that we mostly learn the soulful journey of faith. The rest is all grace.
This morning while meditating with fine writing from Cynthia Bourgeault, I experienced an abundance of gratitude that released my soul to swim into the deeper currents of Love, into that which sustains us all, through all the horrors of human depravity such as what we saw this week in Aurora and in Syria. As I think of the heritage I pass on to my grandchildren, (whose parents thankfully have protected them from the life of 'the Joker'), I am grateful that I can pass on the treasured gift of this global generation, a heritage of multi-faceted Wisdom. What gift to set aside the anxious fears of our lives and open wide to this larger Circle of Life, that which comes wrapped and hidden, in so many, many diverse forms.
So join me in welcoming diversity into your life. Come celebrate community with us, and when your spirit needs solace, rest and be quiet in the garden. You have all that you need.

subset: commoncrawl


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You Are Cotton
You are conscientious, thoughtful, and compassionate. You care deeply about the world.
It's likely that you like cotton because it's natural and environmentally friendly.
You examine your actions and decisions carefully. You never forget that you affect others with the things you do.
You probably live a fairly back-to-the earth, green lifestyle. It's organic cotton all the way for you!
This is one of the results from the quiz, What Kind of Fabric Are You?
Here are all the results from this quiz:


text: Marketing Magic: Victors, Victims, and Volunteers Adams Hudson March 28, 2011 No Comments Let this year be the year you shift your message to fit your true buyers. Attract with emotions, convert with helpful authority, and retain with friendly efficiency. Do this and you'll have enough new business to make this your best year ever.Read More


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Marvy LePlume Permanent Markers are available in 141 colors, have a brush tip, they're inky, and so easy to use. We asked several SRM current and former Designers to give them a try. Here are my projects using LePlume Markers and SRM Stickers. I used some of my favorite supplies; Cosmo Cricket paper, rubber stamps, hand-stitching, new SRM Christmas stickers, and of course my new Marvy markers. Be sure to scroll down to the end of this post to read about our giveaway!
A set of 24 LePlume Markers (your color choices!) will be given away to a random comment provider each day of our feature. Additionally, a GRAND PRIZE of $400 worth of retail Marvy product will be awarded to one lucky winner at the end of the feature. To be eligible to win the Grand Prize, you must have commented during each day's feature. Good luck! Winners will be announced here at the Blog and at our Facebook FanPage on Friday, September 23rd.
- Jenyfur


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After walking the Ulu Sembawang Park Connector, saw the Mandai Park Connector.
(1) Since it's not far away from Singapore Zoo, it's walking time!!!
(2) Pass by
(3) Take around 35 minutes to reach Singapore Zoo
(4) No regrets to walk to the Zoo, will regrets if don't walk there, so walk around and took pictures of the surrounding.
(5) Fake Crocodile
(6) Kai Kai and Jia Jia cushion
(7) Kai Kai and Jia Jia soft toy
(8) Fake Hippo in the water
(9) Mouth wide open
(10) At first, from a distance, i thought they will make dustbin in the form of animal, but the above is a donation box.
(11) Fake Rhino
(12) Random Picture
(13) 山猪,如果没错
(14) Fake Elephant
(15) Fake Rhino
(16) Flower


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Published on Friday, November 24, 2017
The first ELT growth since 2013 was seen this summer, according to new English UK figures.
Members of the association's Quarterly Intelligence Cohort (QUIC) scheme reported 214,851 student weeks in the third quarter of 2017, compared with 183,203 in a predecessor scheme in 2016. This represents a year-on-rise of over 17 per cent.
Jodie Gray, English UK's head of market development, who oversees QUIC, said she was cautiously optimistic about the figures. "We are seeing early signs of a recovery in the market, and of course the big question is around whether this is solely driven by the exchange rate. We believe members may be innovating more, and taking advantage of destination promotion and better data to build a firm base for recovery, and we will continue to monitor this carefully."
QUIC's figures come from the 124 English UK member centres who joined the scheme when it replaced the long-standing core group in January. It provides an in-depth, quarterly analysis of the UK industry's source markets, from industry experts StudentMarketing, to its members within six weeks of each quarter's end, with a limited executive summary more widely available later. New members can join at the beginning of each year, for just £250.
This is the first time an analysis has been done comparing data given by centres which have had membership of both schemes. Ms Gray said this was part of an ongoing project to provide continually improving support for members with high-quality statistical insights, provided more quickly than the industry average.
Other insights in the executive summary for Q3 2017 are:
- Junior weeks rose by 18 per cent over Q3 2016
- The ratio of adults to junior student weeks was 70 per cent to 30 per cent
- 72 per cent of student weeks were booked via an agent or other commissionable source
- General English was the most popular course, at 88.6 per cent of weeks, followed by English for Academic Purposes at 8.1 per cent
- Top 10 leading markets remained largely unchanged - with Italy in top place, followed by China, Saudi Arabia, Spain and Turkey - but China, Spain and France rose up the table.


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Belgian, 1923-2002 Biography
Georges Collignon was a member of the radical COBRA group during the 1950s, and a leading Belgian abstract painter of the post-war era. Born in 1923 at Flémalle-Haute, he attended the Academie des Beaux-Arts in Liége. By 1947, he was already establishing a reputation. His early work was figurative with a surrealist tendency, and this fascination with the surreal-subconscious would develop into the abstract mysticism of the COBRA movement, through which Collignon found international acclaim.
Having already held substantial exhibitions in Liège, Brussels, The Hague, and Stockholm, Collignon arrived in Paris in 1949 and lived there until 1969. In 1950, at the age of 27, he obtained, alongside Alechinsky, the prestigious award, Prix de la Jeune Peinture Belge. The same year he exhibited in Les Mains Eblouiés at Galerie Maeght in Paris, which formed a group of radical young artists represented by Alechinsky, Corneille, and Doucet, who shared Collignon's ideals. They became known as the COBRA group (COpenhagen, BRussels, Amsterdam), which was a reactionary movement seeking free expression of the unconscious, unimpeded by the intellect. Collignon considered himself originally to be part of a group known as Réalité, independent of COBRA, but with similar motives, and later, by solidarity with Pol Bury, they created a new group called Réalité-COBRA. He held his first COBRA exhibition at the Librairie 73, Boulevard Saint-Michel in Paris, organized by Michel Ragon. In 1951, five of his works were exhibited at the International COBRA Exhibition in Liége.
In 1952, Collignon was awarded the Prix Héléne Jacques in Paris, and during the next few years he received the Prix Lissone, the Prix Marzotto, and an award from the Guggenheim Foundation in 1960. In 1975, he was elected a member of L'Academie Royal des Sciences, des Lettres et des Beaux-Arts de Belgique.
Awards/Memberships:Prix de la Jeune Peinture Belge, 1950Prix Héléne Jacques, Paris, France, 1952Prix LissonePrix MarzottoGuggenheim Foundation, 1960
Exhibitions:Zimmergalerie, Frankfurt, Germany, 1952Carnegie Institute, Pittsburgh, Pennsylvania, 1952Musée des Beaux Arts, Paris, France, 1955Stedelijk Museum, Amsterdam, Netherlands, 1956Kunsthaus, Zurich, Switzerland, 1957Musée d'Art Moderne, Paris, France, 1957Carnegie Institute, Pittsburgh, Pennsylvania, 1958Madison Avenue, New York, New York, 1959Monte Carlo, Monaco, 1959Galerie Bernsten, Oslo, Norway, 1961Sao Paulo Biennale, Brazil, 1961Gemeentemuseum, The Hague, Netherlands, 1962The Corcoran Gallery, Washington, D.C., 1963Seibu Hall Gallery, Tokyo, Japan, 1964Museum of Modern Art, Rio de Janeiro, Brazil, 1965Venice International Biennale, Italy, 1970Helsinki, Finland, 1972Cologne, Germany, 1975
Museums/Collections:Musée National d'Art Moderne, Paris, FranceMusée d'Art Moderne, Brussels, BelgiumCarnegie Institute, Pittsburgh, PennsylvaniaMuseum of Modern Art, Sao Paulo, Brazil


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Download Audio & Video: Pastor Ken – I See Heaven
Pastor Ken breaks into limelight with the release of his recent amazing worship/praise single titled "I See Heaven" produced in December 2016.
The song, inspired by the holy spirit is intended to reinstate the revival and restoration flow of the leventical music ministers' office in the body of Christ in this age and time, characterised by the erosion of true worship. In summary, the song "I See Heaven" was prophetically written.
Speaking about the song, the UK based gospel artist stressed that it is indeed the will of God that, God's children become so addicted to His kingdom pattern to aid better relationship between them. He said;
"I believe and know that it is the will of God for His children here on earth to live their lives daily under the influence of heaven."
Early 2016, my family was going through some rough and difficult times. I remembered God's word which says "declare thou that ye may be justified'. The statement "I see heaven in my home and family became my daily declaration, before I knew it, things began to turn around for my good. I know without an iota of doubt that this song will bless you and turn situation's and circumstances around for your good, as it has done for me. For the scriptures says in Mark 13:47 " And what I say unto you, I say unto all."
Be blessed as you listen. Jesus is Lord!
Download Audio Pastor Ken – I See Heaven
Please to support this ministry, you can also purchase this song on the following platforms below.
Brief Bio of Pastor Ken:
As a teenager, Kennedy Obazee grew up with love and passion for God in a local church known as Miracle Time Ministries which was in his childhood community in Benin City Nigeral where he found his place and gifting as a singer in the church.
As Kennedy Obazee grew in faith and in his music gift, he became a mamber of Church of God mission Okhoro Branch Benin City Nigeria, where he was then spotted by the late Archbishop Benson Idahosa for his unique, dynamic and spirit filled way of singing.
In 1995, under the request of the late Archbishop Beson Idahosa, Kennedy Obazee was transferred to Faith Arena, Church of God Mission head quaters in Benin City Nigeria to serve as a chorister in the "Christian Redeemed Voices", and as a member member of the praise team.
With this new office came the responsibility and previlege to travel with late Archbishop Idahosa on mission trips. For his vibrant way of ministering, Kenney was nick named 'Lion of the tribe of Judah' by the late Arch Bishop Idahosa
In 2003, Kennext Obazee relocated to the UK, where he continued to serve God with his gift and got married to his beautiful wife Mrs Nathalie Obazee. He was later ordained as a Pastor in Church of God Mission UK by Arch Bishop Margaret Benson Idahosa.
Music track arranged by Pastor Ken Obazee and Minister Elvis E.
Music Produced by: Edias productoin, Netherlands for Perecting Praise Foundation.
Mixed and mastered in the United States of America.
©2016 Perfecting Praise Foundation
TWITTER/INSTAGRAM: @OfficialPa


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Lucknow: The administration and police in Greater Noida in Uttar Pradesh has been put in a state of high alert as a 'panchayat' has been called on Monday afternoon in Bisahada village, an official said.
This is the village where a Muslim named Mohammad Akhlaq was lynched on 28 September last year on the charge that he and his family consumed cow's meat.
A government forensic lab in Mathura said in its report released last week that the meat in question was of "cow or its progeny".
The report has revived the controversy over the legal and moral issues surrounding the lynching.
An official, however, informed IANS that the accused would be produced before a fast-track court on Monday where charges would be fixed on them. A juvenile has already been granted bail by the high court.
The jawans of the Uttar Pradesh Provincial Armed Constabulary have been patrolling the village since Sunday evening.
Security has been increased following announcement by some Hindu frontal organisations — Vishwa Hindu Parishad (VHP), Rashtrawadi Pratap Sena, Goraksha Dal and Hindu Yuva Vahini — that they will participate in the panchayat, said officials.
Residents of Bishada village, including the kin of the accused in the September 2015 Akhlaq lynching case, on Sunday, met the Gautam Budh Nagar SSP to press their demand for registration of an FIR against Akhlaq's family after a forensic report stated that the meat found in his house was that of "cow or its progeny".
A DNA report stated that SSP Dharmendra Yadav has said that a case will be filed against Akhlaq's family only if charges of beef possession are found true.
The report also said that VHP leader Surindera Jain visited the village on Sunday and claimed that that the accused have falsely been implicated.
Sanjay Rana, father of accused Vishal Rana, had threatened that a mahapanchayat will be held in the village as police have failed to register an FIR against Akhlaq's family.
BJP leader Vinay Katiyar supported the demand for registration of FIR against Akhlaq's family members and demanded that the compensation given to them be withdrawn.
"The question is that cow slaughter had taken place. The report has come and now FIR should be lodged against those involved in cow slaughter. Those who have been locked up in jail should be released. The compensation should be withdrawn. Government should take back the three houses given to them," the BJP leader said.
The Congress, meanwhile, criticised the statements of BJP leaders, saying it will vitiate the atmosphere.
"Calling for mahapanchayat and the statements being made after the forensic report came are not proper. Whether it is the Centre or the state government, it should be stopped," PL Punia said.
With inputs from IANS and PTI
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Updated Date: Jun 06, 2016 16:05:53 IST


text: Reimar D?ffinger said: > Hi, > On Mon, Apr 10, 2006 at 01:55:55PM +0100, M?ns Rullg?rd wrote: >> Reimar D?ffinger said: >> > Me :-). >> >> Added. Which days will you be there? Will you bring anything useful and/or >> interesting with you? > > I intend to be there the full time (depending on when others will > arrive, i didn't find it so much fun to be around all alone last time At least myself and Dominik will be there from Tuesday to Sunday, so you should need to feel lonely ;-) > :-) ). But I don't want to make it final, since I'd like to coordinate > things a bit with Alexander Strasser and Alex Beregszazi when I manage > to get into contact with them *g* Sure, just show up whenever you like. > I don't have much useful to bring along, but laptop, network cables, and > all of my 4 DVDs are planned so far *g* Great. -- M?ns Rullg?rd mru at inprovide.com


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* Expects policy shift after ChemChina-Syngenta deal
* CEO says could benefit from Syngenta GMO maize licence
* S.America among priorities for world's No. 4 seed firm
PARIS, Oct 19 (Reuters) - Vilmorin expects China to end a ban on growing genetically modified crops after ChemChina's takeover of Syngenta, potentially benefiting Vilmorin due to a maize licensing deal it has with Syngenta.
State-owned ChemChina completed the takeover of Swiss crop seed and chemical group Syngenta earlier this year, one of several multi-billion consolidation deals in an agricultural supplies sector strained by low crop prices.
Genetically modified organisms (GMO) are a sensitive issue in China, like in Europe. Beijing has not approved any varieties for cultivation and while it allows imports of GMO crops, the approval process can be lengthy.
"As long as China does not have its own technology, they will block GMOs (for cultivation)," Emmanuel Rougier, CEO of Vilmorin, said during a press presentation.
"My bet is that at some point GMOs will be authorised in China with Syngenta's technology. The agreement that we signed with KWS and Syngenta two years ago gives us access to all Syngenta's (GMO maize) technology. So if China opens up, we will be one of the few able to sell this technology."
The 20-year deal signed with Syngenta gives Vilmorin and Germany's KWS the right to use Syngenta's GMO maize (corn) traits, both through their U.S. joint venture AgReliant and separately in other countries.
Vilmorin, the world's fourth-largest seed maker, has a small presence in China, mainly focused on a joint venture in maize.
Syngenta has played down the transition to becoming part of a Chinese state enterprise, stressing it would remain a Swiss-based global company.
Among other large-scale acquisition deals, Bayer is trying to close its planned takeover of Monsanto/ Bayer agreed this month to sell seed and herbicide assets to fellow German group BASF to help gain regulatory approval for acquiring Monsanto.
Vilmorin has not considered bidding for any of the assets bought by BASF since they did not fit its strategy, Rougier said, estimating the deal would make BASF the world's No. 6 seed maker by sales.
He declined to comment on whether Vilmorin was interested in Latin American seed activities that China's COFCO International has reportedly put up for sale.
But he said Vilmorin would continue to consider acquisitions and that maize in South America was a priority.
Vilmorin announced on Wednesday a sharp rise in annual profits, citing continued strong margins for its vegetable seed business and a cost saving plan.
Reporting by Gus Trompiz; editing by Mark Heinrich


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Fireworks 2 game online
Get ready to light up the sky!The premise is simple: Fireworks launch into the air and you need to detonate them.Click on the rocket when you see the green circle.The smaller circle the higher score.The fireworks are prettier when you have high score!
Control: left mouse button-control
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Get ready for fun, adventure, and some well-deserved relaxation when you book your next escape to this family-friendly lakefront Oak Shores home, featuring a spacious layout for everyone to enjoy, a shared pool, private dock, and sweeping lake views.
Perched right on the shores of Lake Nacimiento, this home allows you to dive into sun-soaked fun without a hassle. After spending the day on the lake, make the quick 56-mile drive into Paso Robles to enjoy a mouthwatering meal with a glass of world-renowned local wines.
Inside the home, you'll find free WiFi, a fully-equipped kitchen, central A/C, private washer/dryer, cable, and a DVD player.
Book your group getaway today!
* Please note, this rental comes with spots for two cars. Extra parking is available for an additional daily fee.
*Per HOA restrictions, the minimum age to rent this home is 25 years old.
* All guests must be at least 21 years of age unless accompanied by a parent or legal guardian.
* Boats will be inspected at the gate. All vessels launching at Lake Nacimiento will be required to pass a mandatory screening/inspection for mussels, and confirm they have not been on any other body of water in the last 30 days. Vessels that do not pass this inspection will not be allowed into the community or on the lake.
*Just a reminder, lake levels fluctuate, so we recommend that you check the status prior to your trip.


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The phrase "only in New York" can sound cliché—surely other cities have aggressive squirrels and quirky street performers and tucked away speakeasy bars—but sometimes it really is the most apt descriptor. Case in point: Where else would a celebrated birth and wellness expert fill her spare time with supervising her 13-year-old DJ prodigy son as he spins for the likes of Ralph Lauren and the Clinton Foundation?
The dynamic of Latham Thomas and her son, Fulano Librizzi, is undeniably shaped by the city's unique environment and opportunities. Thomas, a native of Oakland, CA, is the force of positive energy behind Mama Glow—a holistic women's lifestyle brand offering birth, yoga, and nutrition services—while her son, who goes by DJ Fulano, is a sought-after DJ (and has been since the age of 5) with a signature look that blends preppy panache with city-kid cool.
But glamorous as they may appear, they're not immune to the classic struggles between parents and their tweens.
"Hey! Fulano, get off the phone and go talk to the people here," Thomas implores her dapper son on the afternoon of our photo shoot.
"You get off the phone," he responds, following up with a question about what he's looking at on said phone. "Mom, can I buy a sweater?" Thomas raises a fiercely shaped eyebrow and tells him he has to earn it.
It's an exchange that any tween parent can relate to. Fulano, with his debonair bowties and head of fluffy curls, may exude cache beyond his 13 years, but he still needs his mom's permission to shop online and to get screen time to play Pokemon GO [Editor's note: At press time, Fulano was at level 22 and his best Pokemon was a Snorlax]. "He's not allowed on at home so that's why he's like this right now," Thomas explains, jokingly likening her son's chirping to that of parakeet's.
The duo's playful relationship makes perfect sense given Thomas' personal and professional ethos. She's vocal about the fact that celebration and joy are central in the work she does and also about the fact that, in her son's career (in which she plays the role of roadie and liaison between clients), fun comes first.
"For us, it's a matter of enjoying the things we do," she explains. "I wake up every day and find fulfillment working with women, and that's what I'm most proud of—making sure they feel connected to purpose. And Fulano's purpose is helping people feel happy with music."
To say that Thomas, a graduate of Columbia University and the Institute for Integrative Nutrition, has found her purpose in the birth and wellness space is an understatement. She founded Mama Glow in 2011 and has since cultivated a reputation for excellence as well as a high-profile client base (Thomas was recently the doula for DJ Khaled's fiancé and appeared on his SnapChat while he live-Snap'd the birth of his son to his 14 million fans—#MajorKey), while also staying active in hosting wellness events and in shepherding Mama Glow's special projects (there's a skincare line in the works, for example). In 2012, Thomas penned a book called Mama Glow: A Hip Guide to Your Fabulous Abundant Pregnancy (for which celebs like Rebecca Minkoff and Christy Turlington Burns wrote blurbs of praise) and plans to release book No. 2 in 2017.
Finally, as a crowning jewel on her wellness resume, Thomas was recently named to Oprah's Super Soul 100 list of "awakened leaders who are using their voices and talent to elevate humanity"—an honor that puts her in good company with the likes of Deepak Chopra, Lin-Manuel Miranda, and Arianna Huffington.
With so much going on professionally, how does Thomas maintain her own glow? It's simple: "I strike a balance with taking care of myself so I can be effective as a care-taker," she says with a serene smile.
How would you describe the core mission and services of Mama Glow?
Mama Glow is really about helping women reclaim their bodies as sacred and [helping them] to celebrate all the best that motherhood has to offer from before, during, and after pregnancy. We offer nutrition, yoga, and birth doula services, but more so, we're holding women's hands as they cross the river… There's so much trepidation in the [birth] process because there are so many choices to make and everyone's afraid—"don't do this, don't eat that, don't touch this!" That fearmongering makes people sensitive about the choices they make, and also, sometimes, scared. We want to take the fear out of the process and bring the joy and the excitement back in, and help women—as well as couples and families—celebrate the process.
What drew you to the birth and wellness space?
When I had my son I didn't really know what a doula was…I had a midwife and I thought I was going to be supported enough. Well, it turned out that when he was born, there were about five women in the room! But I remember afterwards, because of how beautiful the experience was, and also how life-changing it was—it really was a time when I felt like I had crossed this threshold and was privy to all this knowledge, and all of this ancestral knowledge kicked in—I thought: "Nobody talks about this! Nobody protects women in the way that they should so they can experience this!"
What are the greatest joys and challenges of working as a doula?
The greatest joy is when you're watching a family and you're witnessing them in this peak moment where they're about to meet a new member of their family, a person that they're so deeply in love with and that they haven't yet met. When you see that baby emerge and you place it on the mother's chest, you see that transformation and that joy, but also—wow!—that awe! And being there to basically watch them become parents? That's a joy for me. It never gets old, no matter how many babies I see born… The challenge is the timing, because babies come on their birthdays—you cannot choose. So the challenge is that you could wake up at 3-4am and be with someone for a four-hour birth or you could be with someone for a 30-hour birth.
On top of that, you're also an author. Is writing something you enjoy?
Writing is something that I love to do, especially when I'm not rushed. I've been on book No. 2 for a few years and it's at a place where it's ready to come out for 2017. It's not pregnancy-related but it's for all women. I'm going to call it Own Your Glow. I'm hoping to do the next pregnancy-related book after that for 2018… I want to do a book that's more food-focused for moms.
You work as a doula but you also have so much else going on with Mama Glow. How do you set a balance?
I'm always in this dance with figuring out how to allocate time, and what needs more attention and what needs less. I think it's always a juggle. But I take babies during certain times of the year, and there are certain times of the year that I know I want to be less busy—because I know I have more family commitments or it's a down time for me for writing or doing something else for our programming… [But when I have a birth coming up], it's always something where it's unexpected and that's what's actually exciting to me—when I know we're in that moving time frame where we know it's going to happen soon.
You've built your business and reputation to the point where you're considered an expert voice in your field. Were there any moments you consider "big breaks"?
I think the coolest thing [recently] is that Oprah included me in her Super Soul 100! I was the only birth doula, or that type of wellness person [on the list]. She doesn't really ever—on her shows and in her work—acknowledge people in the birth space at all, so that was kind of cool… And of course, my mom cries when you say "Oprah" so [my parents] were very excited. I was excited too, because I grew up on Oprah.
Was it a surprise to be named to Oprah's Super Soul 100 list? How did you find out?
I did not know and I was so excited! They called and said I was up for it and they'd put me into this grouping and Oprah was hand-picking all of the people. Then they called me and said: "You've been chosen and we want you to come out and spend a weekend with Oprah in LA." So I went with a bunch of other people who are amazing, like Zendaya and Iyanla Vanzant and Sophia Bush and so many cool people doing amazing stuff in their own spaces. We had this weekend all together and Oprah had a big brunch for us at her studio and we watched the "Super Soul Sunday" show together.
How do you bring your yoga and nutrition background into practice at home?
It's important to have my own personal [yoga] practice in the morning, so I get up earlier so I can have some time to myself. I have a little mat that I use and a little meditation cushion and I create a little area for myself. I move my body in the mornings and I'll sit still for a little bit as well. I'll have a little meditation moment, and then I'll start the day. And that's getting Fulano awake—which is really hard these days—and making breakfast. I love to cook, and I think it's really important to start the day off with a really good breakfast, so it's something I like to make time for and that I believe in… Food becomes your blood, your guts, and your actions, so you have to eat well to perform in life.
Fulano is 13—what have some of the biggest joys and challenges of motherhood been?
It's a cool thing to be a parent. I have so much fun with him. Not as much fun now because he doesn't want to spend time with me… For me, family and parenting is really about being the best version of ourselves even when it's a challenge. So even if you haven't gotten any rest, or even if you've been up late, or even if it's really intense—being able to respond with love.
Is your mother-son relationship changing now that Fulano is a teenager?
Now that's he's wanting to will himself into adulthood, I have to kind of let go a little bit. There are things he wants to do differently, like having some more personal space… [But] I still have fun, even though certain things are challenging. We play games, we cook together. We play tic-tac-toe a lot—I try to get him off the devices… We have our own special rituals. I think that's really important for kids—to make time for rituals and slowing down and doing things that help them feel connected and grounded.
How do you keep Fulano grounded as he finds professional success at a young age?
He definitely has a lot of accomplishments that are notable for anybody, especially for a kid, but I see it like: "Did you clean your room? Did you do your homework? Did you brush your teeth?" He went to this event for the Clinton Foundation—he was 9—and Bill Clinton said something like: "This is our 9-year-old wonder! We just love him!" And Fulano said: "Can we go somewhere fancy after?" I was like: "No! We're having lentil soup and we're going home!" It was back to square one and staying grounded. I think a part of that is giving kids healthy boundaries and I think that's really important for Fulano. He needs boundaries. His dad and I are separated…so he gets what he needs [from me] in my house and he gets something totally different from his dad, and I think that's important.
How do you set a balance between his career and a regular childhood?
For us, fun is first. I'm not trying to have him be the breadwinner, so he's not having a career that's hinged upon his mother being able to eat. For some people, their children are the breadwinners and they're managing their children and making money that way, so sometimes they're forcing their kids to do things they don't want to do. I'll tell Fulano that he can't do something. If his grades aren't where they're supposed to be, he can't do the gigs.
What do you enjoy about watching your child engage in his passion from a young age?
Fulano loves DJ'ing still and he's great at it and super-passionate about it… And I think it's cool that he found something that lets him make a little money so he won't be hitting me up all the time! I think, also, he's found other kids who are super-passionate about tennis or ballet or whatever it is, and they're around each other and can support each other and push each other. The most fun part, I would say, is just going to the gigs. He has really good gigs—and I end up going and carrying all his stuff!
To learn more about Latham Thomas & DJ Fulano, visit mamaglow.com & fulanosworld.com!


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Keith Thurman built a big lead over Danny Garcia and held on to add the WBC welterweight title to his WBA championship Saturday night.
Thurman won his 28th straight fight and handed Garcia his first loss in 34 bouts. After five furious rounds to open things at Barclays Center, the pace slowed — even bringing boos from the large crowd at times. But it ended with a flourish of exchanges in the 12th and final round. And with Thurman holding up two belts.
Thurman won a split decision, getting scores of 116-112 and 115-113. Garcia, favored by a majority of the fans who loudly derided the announcement of the winner, won one card 115-113.
The AP scored it 115-113 for Thurman.
"I knew with a wide spread it had to go to me when I heard," Thurman said about the decision.
"I thought I pushed the fight like a true champion and did enough to get the victory," Garcia countered.
Thurman won a terrific bout with Shawn Porter at Barclays last June. This one wasn't of such high quality throughout, but it had its moments.
Both fighters opened up without reservation, each missing several haymakers, but also landing solid punches. Thurman's right leads were particularly effective, while Garcia, whose right eye was getting red by the fourth round, used his right hand to keep Thurman off-balance.
With each fighter capable of landing the one punch to end it, the crowd of 16,533 roared with every shot — until the sixth, when both guys got cautious. Despite all the previous action, the fans booed what clearly was the worst round of the bout.
It was nearly impossible to live up to the fury of the first five rounds, anyway, and only occasionally the rest of the way did the fight do so.
But Thurman tactically was being smart.
"I was not giving the fight away," he said. " I felt like we had a nice lead, we could cool down. I felt like we were controlling the 3-minute intervals in each and every round."
Garcia, 146.5 pounds, of Philadelphia, actually landed a higher percentage of his punches, 30 percent to 26 percent for Thurman, 146.2 of Clearwater, Florida. But Thurman was far more active, attempting 570 punches, 136 more than Garcia.
"I thought I outboxed him, I thought it was a clear victory," Thurman said. "But Danny, he came to fight."
The bout wasn't very reminiscent of the classic 1981 welterweight unification fight between Sugar Ray Leonard, who announced this one from ringside, and Thomas Hearns. Leonard said this week he believed it could reach that level, but only early on and very late was that close to true.


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Jewelry and Gems Shine Eco-Brighter with Brilliant Earth
Brilliant Earth uses recycled metals and ethical, eco-friendly gems and pearls in their fine jewelry. Image source: BrilliantEarth.com
Is your soon-to-be fiancé eco-chic? As you're getting ready to pop the question and thinking forward to your green wedding, don't overlook the importance of a green engagement ring.
Unethical treatment of workers is a big problem in diamond mining, as is conflict diamonds (also called "blood diamonds" and "war diamonds"), so it's important to know where the diamonds in your jewelry come from. Mining metals and gold in particular is also extremely hard on the environment. Enter Brilliant Earth.A Diamond Worth Dying For
The San Fransicso-based jeweler uses only ethically sourced Canadian and Namibian diamonds, so you can rest easy knowing that the diamonds aren't sold to fund wars and workers aren't mistreated. Plus, the companies they source from adhere to strict environmental standards. But Brilliant Earth doesn't restrict their eco and ethical policies exclusively to diamonds.
Gold Jewelry That's Green
Their rings and other jewelry are made with recycled platinum and gold, which is good news when you consider gold mining's devastating effect on the environment.
Some mines store tailings—highly acidic toxic waste—in dammed reservoirs that can leak, and sometimes they dump these tailings right into a nearby river, lake or ocean. The cyanide used to extract gold from ore is highly toxic and kills nearby fish and wildlife. Mercury and other heavy metals are also byproducts of gold mining. Then there's the smelting process. Despite advances in technology, smelting remains a huge air polluter, with emissions including lead, large particulates that contribute to smog, and acid rain-producing sulfur and nitrogen oxides (nitrous oxide is also a greenhouse gas).
Vintage Jewelry Takes the Title
Think one little ring isn't such a big deal? According to Brilliant Earth, it takes about 20 tons of ore to produce enough gold for one wedding ring. So a recycled gold (or platinum) ring is about as environmentally friendly as it can get when it comes to new rings. (Vintage and second-hand rings are the best option, so long as the jeweler resizing the ring uses recycled metals.)
In addition to Brilliant Earth's diamonds and metals, their emeralds, sapphires and pearls are also ethically sourced. They purchase their pearls from a pearl farm in the Sea of Cortez owned and operated by marine biologists dedicated to preserving the rare species of oyster that produces these pearls.
So walk past that chain-store jeweler and head to Brilliant Earth's website (or make an appointment at their San Francisco location) to choose the perfect ring. Your fiancé will love it, and the environment will breathe a little easier.
More on Jewelry:
Ecologically and Socially Responsible Jewelry: GreenKarat
Ingle & Rhode – No Blood Diamonds, but Ethical Jewelry
No Dirty Gold: Jewelry Retailers Urge End to "Dirty" Mining


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Norton Internet Security for Mac
Do you need security software for the Mac? This is a subject of ongoing debate with some recent developments. Many Mac users ignore such products, but many don't.
Now Symantec thinks there is a market and/or a need for security software on the Mac and they are releasing Norton Internet Security 4.0 for the Mac today. There really is malware for the Mac and some users do get attacked by it. How many is "some"? Probably not a lot, and if malware were really a problem it would obviously be a problem.
Could it develop into a more serious problem? Absolutely it could, and that's a reason to be prepared. NIS4Mac isn't the first or only anti-malware for the Mac; some, such as Intego VirusBarrier, specialize in the Mac, and there are more than a few users who take measures to protect themselves.
But even if you scoff at the notion of anti-malware for the Mac, NIS4Mac has many security features that would be beneficial for you. Symantec argues it has the best firewall on the Mac, adding features that aren't available in other products. There are location-based network rules which set different rules based on where you are connecting from (home, office, Starbucks, etc.). You can set rules for which applications can access the Internet and log that access. Symantec integrates blacklist data gathered from their worldwide DeepSight network to block access from known-malicious sites. The firewall also includes an IDS of sorts with signatures for vulnerability-based attacks in the Mac and 3rd party apps on the Mac.
There's no reason to think Mac users get phished any less than Windows users, so NIS 4 the Mac includes phishing protection based on blacklists and heuristics. Norton Confidential lets you define text or files that is sensitive, such as bank account numbers and records, and which shouldn't be sent out to the Internet without explicit consent. File Guard encrypts sensitive files.
Are you a techie Mac user? Like the command line? NIS for the Mac has a terminal interface for doing scans, manipulating firewall features and other functions of configuring the product.
Do you run Windows in a VM on your Mac? Then Norton Internet Security for Mac Dual Protection could be a bargain. It adds a copy of Norton Internet Security 2009 for Windows for your VMs and a 1 year license for it for $10 more.
Many of the features in NIS 4 the Mac seem innovative there, but old news on Windows, and that's natural. In some cases the Mac doesn't implement a Windows feature; NIS on Windows updates itself very frequently with short updates because of the level of activity on that platform. But on the Mac updates are much less common, as little as once a week. If more become necessary they'll do more. That will be good news for them, bad news for users.


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Thanks to Lorraine Petersen, Independent Educational Consultant – Former Chief Executive of Nasen, for the following article.
Setting the scene
Statutory assessment plays an important role in ensuring that every child is supported to leave primary school prepared to succeed. It is crucial that every school is able to demonstrate every pupil's personal attainment and progress not just at the end of a key stage but throughout their primary education.
Those pupils who have not completed the relevant programmes of study when they reach the appropriate age for statutory assessments do not have the knowledge and skills to achieve expected standard in the national curriculum tests. This is a diverse group including those with special educational needs and disabilities (SEND), those from disadvantaged backgrounds and those with English as an additional language. Schools have to look for other ways to monitor and celebrate success and progress for this group of pupils.


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NEW YORK (WFAN) — Just call him the one-hit wonder.
On the same night Giants starter Matt Cain twirled a perfect game, Mets starter R.A. Dickey was just two David Wright miscues from making his own mark on the record books.
Wright couldn't handle a grounder from Tampa Bay Rays star B.J. Upton in the first inning Wednesday night, which was officially ruled a hit. Dickey then retired 22 straight batters before a Wright error in the ninth allowed the only other Rays base runner. Two Mike Nickeas passed balls later, and the starter's scoreless streak was over at 32.2 innings
Dickey said he harbored no ill will toward Wright after the 9-1 win, though he did manage to throw a good-natured jab the third baseman's way.
"I said, 'You cost me a perfect game twice in one game,' " Dickey told WFAN's Boomer Esiason and Craig Carton on Thursday. "He had some kind of remark back. But we always josh around with each other.
"But you know, that was a tough play all around. I mean, he tried to bare-hand that ball down the line, B.J. Upton's pretty quick. So it's OK, completely OK."
LISTEN: Dickey with Boomer & Carton
(You can download the entire interview HERE.)
The right-hander said he threw his signature knuckleball 94 percent of the time Wednesday night — and boy did he have it working. Dickey recorded a career-high 12 strikeouts and didn't walk a single batter.
"Nickeas didn't even have to put down a sign," said Dickey. "I mean, he knew the knuckleball was coming every time."
Johan Santana hurled the franchise's first no-hitter in game No. 8,020. Now, 11 contests later, they're looking for another one. Mets manager Terry Collins said he'd appeal to Major League Baseball for Upton's hit to be overturned, which would give the team their second no-no in under two weeks.
But Dickey, who characterized the appeal as a "Hail Mary," didn't sound all too positive that he'd welcome the unlikely ruling.
"The thing about it is, I think the asterisk beside the no-hitter would get more attention than the actual no-hitter if it got overturned," Dickey said. "And I don't–"
Said Carton: "You don't want it that way."
"Yeah," Dickey replied. "You know, you don't, really."
As for his contract, the veteran is "hopeful" that he'll reach a long-term agreement with the Mets, who hold a $5 million club option for 2013.
"I do have a sense of loyalty to them, and a certain regard, because they really did give me an opportunity to reestablish my career," said Dickey. "So, you know, if they're interested in talking, my representatives and I will certainly be open to that, longer-term than just the option. But as of right now it's kind of the last thing on my mind."
So what is on his mind?
Oh, not much. Just his ongoing attempt to become the top pitcher in baseball. That's all.
With an MLB-leading 10 wins under his belt, Dickey is certainly on the right track.
"You always hope that you can be the best at something," he said. "Just because I'm a knuckleballer and I'm 37 doesn't mean that I don't desire to be the best pitcher in the big leagues — I do."
Do you think Dickey's one-hitter should be overturned? Sound off below!


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Jive's three technologies core to reducing 'corporate amnesia'
The trick, as Steele explained, is to turn corporate amnesia into corporate memory – "a huge asset to companies because it's all of the information, people and expertise that actually get the work done every day" – by making work searchable, visible and memorable.
By understanding how its employees are working, who they're working with and where data is being stored, a business can significantly improve both the productivity and engagement of its workforce.
Jive Software believes there are three technologies central to this transformation:
- Machine learning: Involves recommending content and people and delivering "content in context. This is about understanding that if you did this three times yesterday, you're probably going to do it again tomorrow."
- Predictive analytics: Involves analysing and predicting human behaviour and is becoming "central to how we work." Organisations can use it to gain a better understanding of who is talking to who and how employees are working together.
- Internet of Things: As more and more devices become internet-connected, understanding how they connect to each other and leveraging the information they provide will be vital.
"We're moving incredibly fast," said [Elisa] Steele, so without an effective strategy to deal with the ever-growing mountain of information being collected, businesses risk collapsing under the weight.
More: IT Pro Portal – Solving the problem of corporate amnesia >