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okay hey guys so this is the fourth part of my lecture and in the last part I had been talking about assurance contracts which I will continue now without any further ado okay so in the last part we had talked about a few assumptions in the beginning of the lecture so I had taken two assumptions in particular and I will be discussing one of them right now so there was this assumption that the payment or death or payment of an assurance contract is made at the end of the year of death and this assumption is actually a very weak assumption and now we are gonna scrap it off okay Ill tell you why this is a weak assumption you see that usually in case of in case of an assurance contract the payment is made as soon as the claim is verified after death so this is the practical thing to do I will explain what this means see for example theres this person he has taken a policy at time zero and he dies at time three point five so far we had been assuming that the payment to him will be made a