Explanation
A Joint Life Policy (JLP) is an insurance policy which is taken out by the partnership firm on the joint lives of all the partners. At the time of retirement of a partner, the firm receives the surrender value of the policy from the Insurance company. Since, in this case, JLP is already appearing in the books of the firm at the surrender value, no treatment will be required in partners’ capital account.
Gaining Ratio is calculated at the time of retirement or death of partner which is given by retired partner to the partners who are still exist in partnership firm.
New ratio - It is the ratio which is calculated at the time of reconstitution of a firm i.e., at the time of admission of new partner and retirement or death of an existing partner.
Old ratio - It is the ratio for sharing profit and loss which was decided at the time of coming into partnership.
Formula of Gaining ratio = New ratio - Old ratio
Appreciation can occur with both tangible and intangible assets. For example, it is common for trademarks to increase in value due to a rise in brand recognition.
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