Has the co-operative movement retained its relevance after its 130 years existence in India? b. Has the Indian psyche grown beyond the need for “one person one vote for mutual benefit” idiom? c.  Has the co-operative movement captured the imagination of younger generation? d.  Has it produced enough qualified and energetic young leaders to carry forward the movement?
This is because the regulations in Germany leave them with no option but to offer fixed surrender values for products paying guaranteed returns. Since life insurers invest the bulk of their customers’ premiums in fixed-income securities, the market value of their investment is sensitive to interest rates, while surrender values are not.