Suicide Clause in Various Life Policies in India

oai:ojs2.ijohmn.com:article/1Life insurance policy is a contract between the policy holder (assured) and the insurer (insurance company), where the insurer promises to pay a designated beneficiary a sum of money (a "premium") upon the death of the insured person. In return, the policy holder agrees to pay a stipulated amount (at regular intervals or in lump sums). In nutshell, life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot and civil commotion.  Suicide means a wilful and intentional act on the part of the selfdestroyer. It includes every act of self-destruction. Policies of life insurance contain conditions by which the liability of the insurer is modified and limited in case of suicide by the assured. Where there is such a clause in a policy, the insurer can avoid the policy. The position in England and in India is different on this issue. In England suicide is a crime and hence no money is payable if a person commits suicide while in a sane state of mind. On the other hand if the assured was insane at the time of committing suicide, the sum due can be recovered by his legal representatives. Under the Indian law, suicide in itself is not an offence, and as such a policy cannot be avoided on the ground of suicide, unless the policy otherwise provides. Suicide will, however, not affect the rights of assignee, if the policy holder had assigned the policy for valuable consideration. The burden of proving suicide is upon the insurers and where the cause of death is not known, the presumption is against suicide and the policy cannot be avoided. This same is followed in India. According to this approach, the claim would be barred on a contractual level because the assured cannot be the author of his own loss, and on a broader level, because the law will not allow him to benefit from his own criminal acts. This paper examines the development of law and policy in relation to claims on life insurance policy where the assured or insured has committed suicide after the commencement of the policy and the effect of suicide clause in life insurance contract. Is that the present practice of insurance companies to insert suicide clause in life policies, indirectly promotes commercial suicide in cases of intentional suicides.

Enhanced regeneration in explants of tomato (Lycopersicon esculentum L.) with the treatment of coconut water

A standardized protocol was developed to enhance the in vitro regeneration efficiency of five varieties of tomato from hypocotyls and leaf disc with the involvement of coconut water. Different concentrations of IAA and kinetin were used alone and in combination with 12% of coconut water.Significant differences for regeneration, time taken to regenerate and number of leaf primordial were observed for different treatments, type of explant, use of coconut water and also among varieties. Higher regeneration was obtained in Avinash followed by Roma and Rio Grande. Maximum regeneration 95.75% was obtained with 0.5 mgL-1 of IAA, 1.5 mgL-1 Kinetin along with 12% coconut water in Avinash and hypocotyl was proved to be better for regeneration than leaf discs. The inclusionof coconut water in the media significantly reduced the number of days taken for callus induction leading to regeneration, as compared to media without coconut water. Significant increase in number of shoot primordial was observed in hypocotyls as well as in leaf disc derived calli with the addition of coconut water. Plants obtained were transferred to the glass house in small pots of compost and higher frequency of survival was observed from plantlets obtained with the addition of coconut water

Determinants of male participation in reproductive healthcare services: a cross-sectional study

Background The role of male’s participation in reproductive healthcare is now well-recognized. The present study investigated the role of men in some selected reproductive health issues, characterizing their involvement, including factors influencing their participation in reproductive healthcare services. Methods This study was conducted in the working areas of urban and rural implemented by NGOs. The sample-size was determined scientifically. The systematic sampling procedure was used for selecting the sample. The study included 615 men aged 25-45 years. Bivariate analysis was performed between male’s involvement as the dependent variable with several independent variables. Logistic regression analysis was applied to assess the effects of risk factors on the participation of men in reproductive health care services. Results The mean age of the respondents was little over 34 years while their mean years of schooling was 3.7, and their mean monthly income was about Tk 3,400 (US$ 1 = Tk 70) at the time of the study. Rickshaw-pulling and driving was the main occupation of the respondents from the urban while farming were main occupation in the rural area respectively. About two-thirds of the respondents discussed reproductive health issues with their wives and accompanied them to healthcare facilities. The current contraceptive-use rate was 63% among the men who attended the evening clinics. Results of bivariate analysis showed a significant association with education, occupation, income, access to media, and number of living children. Results of logistic regression analysis showed that secondary to higher education level, number of living children, paid employment status, long marital duration, and access to media were important correlates of males’ involvement in reproductive healthcare services. Conclusions The results imply that a greater integration of reproductive healthcare matters with the Millennium Development Goals and increasing perception of men through enrollment in various components of reproductive activities will produce synergistic effects