Life Insurance is a modern form came to India from England in the year 1818. Many life insurance companies were started by Europeans during that period to look after the needs of European Communities in India . However , these companies refused to Insure Indian lives. Later, due to the efforts of few eminent Indian people, these foreign life insurance counties started Insuring Indian lives. But they treated Indian lives as sub standard and charged heavy premises. Bombay Mutual Life Assurance Society heralded the birth of first Indian life insurance company in the year 1870, and covered Indian lives at normal rates.

The Swadeshi Movement of 1905- 1907 led to the birth of other Indian life insurance companies. By the late 1940’s there were too many Insurance companies and the level of competition was very high. There was also an allegation of unfair trade practices against the life insurance companies . Hence, the government of india decided to nationalize the sector .

An ordinance was issued in the year 1956 to nationalize the life insurance sector and life insurance Corporation of India (LIC) came into existence on 1st September ,1956.

LIC absorbed 154 Indian ,16 Non -Indian insurers as also 75 provident societies. Since then LIC was the only player in life insurance business till the late 1990s when the Insurance sector was reopened for the private sector .

Life Insurance Corporation was created for the objective of providing all Indians adequate financial cover at a reasonable cost. The company managed to achieve its objective and is still the dominant market leader in the life insurance business.

A joint family (an undivided family, joint family, extended family system) is a large undivided family, where more than one generation live together in a common household. A joint family is a form of family where grand-parents, father, mother and children are united together under one roof.
In such families, the son does not distance himself after getting married. Instead, he lives in the same house with his family and his family with his wife and children.
The eldest male member is usually the head of the joint family. His power and functions are like a trustee. He is entitled to take economic and social decisions on behalf of the family.
The benefits of a joint family can count more than one can.
It is the best way of life that is most conducive for development.
It is based on the principle of proper economy. It considers it a law of creation that not all men are equal. Naturally it imposes a kind of unwritten discipline that those who are more financially capable will share some of the burden of those who are not.
Combined mace, naturally, operates on an understanding of mutual adjustment. Naturally, those who benefit from the generosity of others are grateful and thankful. Similarly study groups of boys in a large joint family are formed according to their age match. Naturally the cousins ​​study together, play together, quarrel together and even get punished together. As a result there is a sense of harmony in them which is free from any discrimination compared to being full brother or cousin.
The groom becomes a concern for all the elders in the family for married girls in marriage. Even if the daughter of a junior brother is chosen by someone because of her beauty or talent, he will not agree to her marriage until her senior cousin sister is married.
The basic needs of all family members are taken care of. Each member is guaranteed minimum subsistence to survive.
It supports all family members. Old and elderly people are respected. Proper care is taken for old, widowed, physically weak and disabled family members. Subjects such as this have imposed themselves on their members in a joint family. The head of a large family almost becomes its patriarch if the family and other constituents are looking after the norms well and healthily, the family of the family will expand.
Finally, a sense of unity prevails in the joint family system.
This often creates parasites that prefer to feed on the income of another and exploit the wellbeing and theoretical behavior of their partners. Sometimes some devious member of the family conspires to torture and exploit another innocent member of the family. High-earning members often insult low-earning members.
The cost of education has increased. High-earning members often want their children to study in expensive schools, but they do not want to share the burden of the children of other family members. In large families, the most important decisions are made by the head of the family. Since, not all individuals in the family have the opportunity to participate in major family decisions, they are often lost or develop a sense of inferiority complex.

The separation of families was evident from the joint families themselves. This is when the spirit of generosity, charity and sympathy is not balanced by strong moral line, character and foresight. If members remain for each other, then joint family can be successfully run. The suffering of solidarity and selflessness is the essence of joint family.

India is rightly described as the ‘land of festivals’ because there are various festivals celebrated all over India. People belonging to different castes and communities live together in our country. These people celebrate several festivals with great pomp and excitement.

There is a reason behind the celebration of every festival. Whatever the reason might be, it is a great time to have fun. All the people gather together during the period of festivals. Diwali, Holi, Christmas, Gokulasthami, Navratri, Makarsankranti, Eid are some of the festivals that we celebrate in India. But, along with these, there are many other festivities that people celebrate across our nation.
Apart from giving unlimited joy and happiness, festivals give us some valuable teachings in life.

◆ What do festivals teach us?

● Festivals teach us the power of unity. It is due to festivals that people forget their fights and come together for celebrations. People irrespective of their caste, creed or religion participate in different kinds of festivals and respect their religious sentiments. These festivals help to spread love, care and understanding among people.

● We learn from various festivals about the rich cultural heritage of our country. We get to know about the various traditions followed in our families since generations. Through festivals, we learn to believe in god and we get a chance to express our thanks towards god.

● Festivals create an environment of happiness around us. People get a break from their boring and busy routine and enjoy to the fullest during festivals. It helps them to forget their sorrows and pains. Festivals are also a great stress buster, as they create a positive atmosphere.

● We learn from our national festivals about the struggles of our freedom fighters and their sacrifices. These festivals motivate us to work for the betterment of our nation. They teach us to love our country and boost our feeling of patriotism. They help to bring together all the citizens of our country.

● We learn from the festivals about some good human values. They teach us to not give up easily and keep the hope alive as good always wins over evil, to not discriminate amongst people on the basis of certain factors and to help the needy and poor people.

● We learn from the seasonal festivals to love nature and to express our gratitude towards it. Mother nature has always been very generous in fulfilling all our necessities. By celebrating seasonal festivals, we get a chance to acknowledge nature.

● Festivals also help to improve the economy of our country. This is because people do shopping for various items for the celebration of festivals. This increase in the demand for different goods contributes to the GDP of our country.

We can thus see, that festivals
play a great role in our life. Festivals are a great way to relax your mind and free your mind from tensions. Hence, we shall always take out some time for the celebration of each and every festival. By doing this, we get an opportunity to become joyful from within, interact with others, learn something new and spread happiness around.

The term Victorian age is often used to cover the whole of the nineteenth century. Queen Victoria came into the throne in 1837. And this era gave rise to numerous exceptionally talented scholars. The two famous female poets along with their details have been discussed below.
Christina Georgina Rossetti was a victorian woman poet who wrote a variety of Romantic, devotional, and children’s poems. Rossetti began writing down from 1842, initially mostly imitating her favorite poets. From 1847 she began experimenting with verse forms such as sonnets, hymns, ballads, drawing narratives from the Bible, folklore, and the lives of the saints. Her most famous collections ‘Goblin Market and other poems’ appeared in 1862. It received widespread critical praise, establishing her as the main female poet of the time. With the death of Elizabeth Barrett Browning in 1861, Rossetti was her natural successor.’ Goblin Market can be seen as an allegory about temptation and salvation, a commentary on Victorian gender roles and female agency, and work about erotic desire and social redemption.In1892, Rossetti wrote ‘The face of the Deep’, a book of devotional prose. Her poetry collections include’ ‘ The prince’s Progress and other Poems,’ Speaking Likenesses’,’The Political Works of Christina Rossetti’etc. Some critics and scholars of the twentieth century and post twentieth century began to explore Freudian themes in her work, such as religious and sexual redemption. Her work strategy influences writers like Virginia Woolf, Ford Madox Ford, Philip Larkin, and Hopkins. Her fictions include Common Plays and other Stories’
Another famous Victorian female poet was Elizabeth Barrette Browning. She was one of the most prominent poets of the victorian era. Her first known poem was written at the age of six-‘On the Cruelty of Forcement to Man’Her first collection of poems essay on Mind with Other Poems was published in 1826 and reflected her passion for Byron and Greek politics. She opposed slavery and published two poems highlighting the barbarity of slaves and her support for the abolishionalist cause. The poems opposing slavery include’ The RunwaySlave at Pilgrim’s Point’, and ‘A Curse for a Nation’.In the first, she describes the experience of a slave woman who is whipped, raped, and made pregnant as she curses the slaves. In 1838′ The Seraphim and Other Poems’ appeared, the first volume of Elizabeth’s mature poetry to appear under her own name. Between 1841and 1844 Barrett Browning was prolific in poetry, translation, and prose. The poem’ Cry of the Children’ published in Blackwood’sMagazine condemned child labor and helped to bring about child labor reforms. In 1844, she published two volumes of poems which included ‘A Drama of Exile’, ‘A Vision of Poets’, and ‘Lady Geraldine’s Courtship’.Two of her most famous poems were ‘Sonnets from the Portuguese’ and ‘Aurora Leigh’.Much of her work carries a religious theme. She was interested in theological debates, had learned Hebrew, and read the Hebrew Bible. In ‘Aurora Leigh’ She created the character of a strong and independent woman who embraces both work and love. A five-volume scholarly edition of her works was published in 2010, the first in over a century.