Of all the different types of policies, the universal life insurance seems to be the most favorite among today’s policyholders. It is a much later innovation, conceived to meet a modern need. However, it does not mean that the earlier policies have all become redundant. No, even term life, the original life insurance policy, has quite a big following even today and so have the whole life policies. Nonetheless, people seem to prefer universal life because it combines the low cost protection of the term life with the saving elements of a whole life to provide a perfect solution to modern insurance need.I am sure you are aware that the term life is the original type of insurance policy. Indeed, life insurance may have actually started in the form of burial clubs and artisans’ guilds in the Middle Ages, but the term insurance that we know of today is a much refined version. It is a pure life insurance policy valid a temporary period only. You can buy one for a period of 1/5/10/15/20/25/30 years. Since these policies do not accrue any cash value, you can have a large coverage at a very reasonable rate.However, on the con side, unless you die within the valid period, the term insurance policies offer no return. The whole life policies were next conceived as its antidote. They had saving element incorporated in them. However, such policies were little too expensive and premium payment mode was little too rigid. The universal policies came next. It became instant hit because it offered more flexibility when it comes to cost and coverage.Indeed, if you want to take advantage of the market without loosing the security of the life policy, there can be nothing better than a universal life. Following are some of its salient points:• It is a permanent policy valid for the life of the insured and so whenever the insured dies, his beneficiary is sure to get the benefit.
• These policies are slightly overpriced and amount paid above the cost of insurance is credited to a cash value account.
• Interest too is credited to the account. It may either be determined by the insurer or pegged to financial indexes such as stock, bond etc.
• If you fail to pay the premium, the amount will be debited from this account, thus keeping policy in force in spite of occasional lapses.Today we also have variable universal insurance, which allows the cash value to be directed to a number of separate accounts that operate like a mutual fund. However, since these policies are equity based, they can offer higher return, but if the market goes down, they offer greater risk too. If you are buying the policy solely for insurance purpose, such a policy may not be a very good idea because the death benefit will be paid as long as you have enough cash value to pay the costs of insurance in the policy.However, it is not for me to tell you what type of policy to buy. Receive different categories of life insurance quote on line and then decide. All said and done, I cannot stop myself from adding that, for life insurance purpose, you will do well if you buy only a term life insurance. It is true that a term life does not offer cash value, but its rates are so low that only a financial fool will expect it from the policy. Instead, the financial advisers say that one should buy a low cost term life for insurance purpose and then invest the difference in separate fund.However, not every type of term insurance is cheap. The term life insurance no medical exam policy for example is so expensive that the concept of investing the difference cannot be applicable here; in fact, the price structure of such a policy does not leave any difference to invest. Sometimes they are as expensive as a universal life policy is. Yet, such policies are no less popular because they too have some unique advantages.No medical policies provide instant coverage. You apply today and if you qualify, your family will start being covered by the policy from tomorrow and that too for the full amount. Of course, just as every other case, suicide within first two years is always excluder from its purview; otherwise, every other type of death in included under this policy. You may wonder why this policy is so expensive. Actually, without the medical test, the carriers can never work out the exact cost of insurance and so they charge more. Remember, they are here to do business, not for charity.
Universal Life Insurances Can Be Popular – But Is It For You?
Erotic Photography: An Art
When most hear the words “Erotic Photography” pictures of naked women with no morals exploiting themselves for money is what comes to mind. Erotic photography is much more than this. Erotic photography is an art form in that accentuates the beauty and eroticism of the body.Erotic photography is defined as photographing the nude body in a manner which is artistic and creative. Pornography is the degrading and trashy images of those without morals. Many photographers are spend many years perfecting the art of erotic photography. Some even have award winning erotic photography which features a nude subject. Erotic photography models endure vigorous training and education to master the creative nature of erotic photography and to learn the difference between erotic photography and pornography.Long before magazines like Playboy were ever printed erotic photography was popular. History is filled with erotic photography; some dating back to the 1800′s. Because of the controversy, in the 1900′s , those who were skilled in the art of erotic photography were chastised and therefore would take the photos anonymously. Today, the Internet has made it increasingly difficult to access the wealth of erotic photography since it is cluttered with pornographic images, however, there are some online resources that have creative and artist images that are excellent examples of professional erotic photography. If you search hard enough you will be able to find some very talented photographers and models who exemplify the very nature of erotic photography. These are the people who should be praised for their artistic abilities and talents.
Successful Film Marketing Strategies
“It’s not what a movie is about, it’s how it is about it”.
– Roger EbertUnlike any other art, Films have a much greater impact on human’s mental consciousness. It holds the capability to impose an emotional instability in human minds. This is why it is said that movie making is more about observing and imagining. Now in this century, Filmmaking is not just about the script, screenplay and all. It comprises of lot many other factors. In Fact, a successful film promotion is merely about the Film marketing strategies related to that.So, what is film marketing?Many of us believe that the success of a film is all about how well it run in theaters.Well, I would say, Film marketing is all about driving the desired audience unto the theaters. Sometimes called film junket or press junket, Film marketing consists of various elements such as press releases, advertising, interviews, media involvements and most prominently Social Medias nowadays.It’s no longer about Television, Print, and OutdoorThis is more like an enlightenment for every filmmaker these days. Back then, an efficient Film marketing strategy was all about the television, prints and all. But now it has changed, because, in order to reach the audience you need to find them at first. Today, it’s all about the internet.You need to find more people, you better go online, as simple as that.Film Marketing strategies went digitalWell, it’s not a big surprise factor that film industries have adopted Digital Marketing techniques as a part of well structured Film Marketing Strategies. In fact, movie studios are moving beyond the typical techniques such as teasers, trailers and lot more by conducting Google hangouts with the crew, live streaming music launches, contests and so on.And the most interesting fact is that the spend on Film marketing Digital strategies has risen enormously these years.I believe there are three major stages in a successful film marketing strategy, introducing, interacting and involving. Digital Media has involvement in all these three stages, great involvement indeed.Search engine optimization for an effective film marketing strategiesSearch engine optimization as an overall term for all the works and efforts we are investing on to the promotion of any services/products are not negligible. Unlike any other Digital marketing campaigns, Film marketing deserves more conviction as well as perception, even in its promotional campaigns.There are so many factors involved in this ranging from keywords to social media.How Social media influence the way movies are marketed?As a part of Digital marketing strategy, Social media has become one of the ‘behind the change’ reason, as films can gain a huge amount of buzz through it. It means, there is no longer need to rely on official reviews and adverts to know about the latest releases. Here is a quick review of few film marketing strategies in relation to social media.Leaked images- Even though this seems to be an outdated technique, it still works. This kind of techniques is used probably for the promotion of superhero movies. The theory behind this tactic is that the movie producers will generate some excitement, years before the release of their films through leaked images. As the images would not reveal much more about the movie and characters, yet will definitely create a huge amount of online publicity and chatter.Visual micro content- This is more like an emotional way of marketing, I would say. A movie called ‘If I stay’ recently implement this film marketing idea very successfully. The initial step towards this kind of campaign is always targeting the right social media platforms. And then generating visual micro content suitable for the platform. Sharing the banners, posting the behind the scenes pictures are also effective.Content marketing campaign- Content is always effective and it’s definite that it will bring some results to you. Once again it is more related to social media channels. Even if a film marketing strategy is all about the kind of film to which we are dealing with, content is always helpful. One can also try local news stations, discussion boards and more along with Twitter, Facebook, Tumblr and so.Video marketing- Very familiar, much effective, this is how one could interpret the role of video marketing Film marketing strategies. No matter what, we are ready to take chances on some products that we have not seen or tested properly, this is why the trailers are significant. It gives an initial impression and it’s a proven success. And I recommend seeing your trailer video initially through your official website, which obviously allows the audience to make more interaction through your social media mediums.Social competitions and quizzes- It will become a huge disaster if you believe that the introduction part is enough.The fact is that you will miss the entire party. Interaction is very significant especially when coming to Film marketing. It may not be the most innovative thing you can do to improve the engagement but it can very effective at times.Persona marketing- Your film will certainly have some interesting character that the audience could connect with in one way or another.Lot many Film marketing campaigns have already played on the audience’s emotions for particular fictional characters by developing a persona around those characters on social media. A Perfect example for this is the Ted character in the Twitter. With almost 7 lakh followers, Ted began posting some funny comments which in fact brought some unexpected results.Alternate reality games- A slightly more complicated and deep Film marketing strategy is Alternate reality games (ARGs). This develops a fictional world that the users in the real world may interact with by using online communities. ARGs is a wonderful way to get your movie audiences involved and thereby creating ‘brand loyalty.Make use of memes and other UGC Forms- This is more like a mutual beneficial Film marketing strategy. Memes are offering a great marketing opportunity, in such a way that your audience will create some highly shareable content that conclusively benefits your Film promotional strategies. The benefit of using memes is that they are easily customizable as well as quick to produce. Yet another possible strategy is to use caption contests, fan art or any other effective user-generated content tactics.Google AdWords for the more targeted outcome- Each day, millions and millions of movie related searches are made in Google. I would say, the quickest way to reach those people is always Google AdWords.Even if it is not much of a cost effective way, it definitely is an option for those who care about reaching more targeted audiences.Final thoughtsHow powerful the visual media is or How much impact it can impose on humanity? The answer to his question is always about how well it reach the people. And Film marketing or Movie promotion is the beacon that leads to this destination.Cheers
Team eetti