Insurance

Insurance is a means of protection from financial loss. It is a form of risk managementprimarily used to hedge against the risk of a contingent, uncertain loss.

An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. The amount of money charged by the insurer to the insured for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster.

Virtual university

A virtual university provides higher education programs through electronic media, typically the Internet. Some are bricks-and-mortar institutions that provide online learning as part of their extended university courses while others solely offer online courses. They are regarded as a form of distance education. The goal of virtual universities is to provide access to the part of the population who would not be able to attend a physical campus, for reasons such as distance — in which students live too far from a physical campus to attend regular classes; and the need for flexibility — some students need the flexibility to study at home whenever it is convenient for them to do so.

Some of these organizations exist only as loosely tied combines of universities, institutes or departments that together provide a number of courses over the Internet, television or other media, that are separate and distinct from programs offered by the single institution outside of the combine. Others are individual organizations with a legal framework, yet are named "virtual" because they appear only on the Internet, without a physical location aside from their administration units. Still other virtual universities can be organized through specific or multiple physical locations, with or without actual campuses to receive program delivery through technological media that is broadcast from another location where professors give televised lectures.

Université

Une université est un établissement qui fédère en son sein la production (recherche), la conservation (publications et bibliothèques) et la transmission (études supérieures) de différents domaines de la connaissance. Aux États-Unis, au moment où les universités de ce pays commençaient leur ascension qui devait les mener au niveau qu'elles ont actuellement, Peirce1, un philosophe américain, a défini en 1891 l'université comme « une association d’hommes […] dotée et privilégiée par l’État, en sorte que le peuple puisse recevoir une formation [guidance] intellectuelle et que les problèmes théoriques qui surgissent au cours du développement de la civilisation puissent être résolus ». La définition de Peirce renvoie au latin classique où l'expression universitas hominorum (« association d'hommes ») désigne ce que nous nommons aujourd'hui une personne morale ou une personne juridique2. Elle rappelle aussi le latin médiéval, celui de l'époque où l'université occidentale est apparue, dans lequel le mot universitas désigne une communauté ou une corporation3^,4.

Higher education

Higher education, post-secondary education, or third level education is an optional final stage of formal learning that occurs after secondary education. Often delivered at universities, academies, colleges, seminaries, and institutes of technology, higher education is also available through certain college-level institutions, including vocational schools, trade schools, and other career colleges that award academic degrees or professional certifications. Tertiary education at non-degree level is sometimes referred to as further education or continuing education as distinct from higher education.

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