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  Indexed Universal Life Insurance – Simple Meaning and How It Works Most people think life insurance is only for protection, but some plans actually help your money grow too. Indexed Universal Life Insurance , or IUL , is one of those. It gives you both — life cover and a small way to build savings that grow with time. What It Really Is This plan is kind of a mix. A part of your premium keeps you insured, and the other part builds a cash value that can earn interest. The growth is linked to a market index like the S&P 500 , but your money isn’t directly invested there. So, when the market does well, your cash value earns good interest. If the market drops, you don’t lose anything — you just earn little or sometimes nothing that year. In short: you get the benefit when the market goes up, and safety when it falls. Let’s Take a Simple Example Suppose Meera, age 30, buys an Indexed Universal Life Insurance policy. She pays ₹8,000 a month. A part of it goes toward her life ...

What is Runway Insurance? Runway insurance is a type of aviation insurance that protects the airport authorities and airlines from financial losses if something goes wrong or terrible on the runway — like aircraft skidding, accidents during landing or takeoff, runway damage, foreign object debris (FOD) incidents, or emergency closures. In simple words: If a runway gets damaged or blocked, the airport can lose crores in a single day. Runway insurance helps cover that loss. It is not for passengers , but for airport owners, operators, and aviation companies . Why is Runway Insurance Important? Airports spend huge money building and maintaining runways. A single international runway could cost anywhere between ₹500 crore to ₹2,100 crore (or more), depending on its length, material, and safety systems. Now imagine this situation: ✈️ A plane skids during landing ⬇️ That part of the runway breaks ⬇️ Flights get delayed ⬇️ Airport shuts down for 5 hours ⬇️ Huge financial loss That is...