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How to know if you need Life Insurance

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We’ve all heard of Life Insurance, but as it’s based on your own individual situation, knowing whether or not you need this cover can be confusing. To make things a little easier, the following steps outline a few of the most common scenarios in which having a Life Insurance policy is beneficial, and will help you decide if you need this type of Life cover too.
If you’re a parent:
If you’re a parent or about to be one you might want to consider taking out Life Insurance. Being a parent doesn’t come cheap – in the UK the estimated cost for raising a child from birth to age 11 comes in at a staggering £84,000 (or £110,500) and that’s all before college and university fees! If you were to pass away, these costs would not go away – your children would still need to be provided for. A Life Insurance policy would make this possible and, in paying a lump sum to your beneficiaries upon your death, it would provide welcome help with the ongoing costs involved in parenthood.

If you’ve got a mortgage:
If you’re a mortgage holder you may also want to consider Life Insurance, especially if this is shared with another person. In the event of your death, mortgage payments would still need to be met which, without your contribution, could put unimaginable financial pressure on the co-mortgage-owner. The lump sum payout from your Life Insurance policy could help alleviate the financial burden of this, helping to cover the monthly payments or even pay-off the mortgage entirely.

If you have any loans:
If you have any loans, such a car loan, a Life Insurance policy may also be beneficial. Like mortgage repayments, in the event of your death, these payments would not simply go away. A Life insurance policy could be used to pay this off so that your dependants would not be lumbered with the financial responsibility of these repayments.

If you’re self-employed:
If you’re self-employed a Life Insurance policy is a employee benefit you’re not likely to privilege from. Most companies provide some sort of life assurance for employees and whether it’s a death in service benefit or Life Insurance, these company perks can provide the necessary financial support for loved ones during an already difficult time. If however you’re self-employed, it’s unlikely you’ve put this protection in place for yourself. A Life Insurance policy would thus ensure you would receive the same protection as your company-employed counterparts.
Top Tips:
Your motivation for buying life insurance will provide a good indicator of how long you need cover for. If, for example, it’s for your children’s college fund, once they’ve graduated, this cover may no longer be needed.
Consider taking a joint life insurance if you share mortgage repayments with another person.
Even if you’re not self-employed and are covered by employer benefits, it’s also worth considering taking out a separate Life Insurance policy. For example if you ended up switching jobs, you may lose this privilege and thus would not have any sort of protection in place.
Do your research, compare quotes from a range of different sites and consider a discount broker to help bring your premiums down.

Should Your Insurance Company Offer Cyber Protection?

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Cyber security has become a growing concern for U.S. companies over the past couple of years, and for good reason. Information breaches have not only become increasingly common, but also much larger. Nothing illustrates the state of modern web security quite as well as the most recent breach, which saw hackers target the IRS by exploiting faulty security to compromise over 100,000 taxpayer records.
Similar breaches have also affected much smaller companies, and it’s common to see a forward-thinking insurance company racing to adapt. Here is what you need to know to determine if, first, you’re actually in need of cyber insurance and, second, what you should look for in a policy.

Are You At Risk?

If you work with customer information of any kind, then the answer is likely yes. The term to look out for here is Personally Identifiable Information, or PII. It’s not a technical term, but rather a legal term that carries some teeth if you have to deal with it.

At its root, PII is any piece of collected information that could potentially allow a third party to identify a business’s individual clients. Given how good the Internet is at leveraging even tiny hints to track down a person, that definition is awfully broad. Full names, email addresses, site nicknames, and (sometimes) even web cookies can all qualify as PII.

If you’re storing anything that falls under the PII umbrella, you’re at risk of a breach. Breaches are enormously costly, both for affected customers and for the company responsible for the loss. Companies in the healthcare and retail industries are obviously at an increased risk, but when it comes down to it, any business that makes a habit of collecting information should ask their insurance company about cyber policies.

What Your Cyber Policy Needs

You’ll need to look for a few things in any cyber insurance policy. As you may expect, a good policy should cover the financial damages directly caused by a breach. However, cyber attacks can cause financial damage in a wide variety of ways. In particular, make sure that your company is protected against:

- Losses caused by lost time and productivity. A major hack can cause company gears to grind to a halt. Find an insurance company that guarantees coverage for the revenue lost during this period. – Indemnification caused by a third party. Few modern companies handle their data on their own. Outsourced IT support or other companies can fall victim to a breach that affects your customers. – Loss of Reputation. Breached companies, even those that have done their due diligence, almost always take a PR hit in the wake of an attack. A good policy offers some cushioning against the customer losses that generally ensue.

Finally, also try your best to work with an insurance company that has an educational component. Some plans will also come with training to avoid a breach. As nice as protection is, it’s safe to say that it’s best left unused. Installing a set of best practices can help keep you from having to rely on a safety net in the first place.

Going for Good Auto Insurance

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There are only a few states that still implement the no-fault regulation, meaning there will be payout even when you are liable for accidents or property damage. Another strange thing is the fact that insurance company can cancel your policy for various reasons for examples serious traffic violation or felony, repeated offenses, DUI, lapses, and more.
If you insurer issues a termination or cancelation of your policy, it is possible that you are now a high-risk driver. For such driver, possibility to get another insurance coverage is very low. A good way to acquire coverage is by purchasing it from the non-standard insurance market.

What is the high-risk driver?

There are more than several ways to define what high-risk driver means. Some insurance companies just use the term to represent a particular type of drivers who do not meet the requirements to get an insurance policy. However, requirements to get insurance vary from company to company. The term can also refer to drivers who have a bigger chance of getting into accidents due to physical or psychological limitations such as reduced visibility and lack of experience.

Someone with multiple traffic tickets is probably high risk too. High-risk drivers are those with strong tendency to file claims. For standard market insurers, more claims mean more payout, and this is not a real business.

While it is hard to figure out a definitive description of high-risk driver, there are some common reasons why someone is classified as high risk:

· Having a Traffic Violation: committing a serious traffic violation puts a bad score on your driving record. A violation or involvement in an accident that causes death, or severe injury is a significant factor in high-risk classification. Some insurance companies offer additional coverage to waive single violation for a fee, but some other insurers do not have such feature. If there is no way to waive a violation, chances are you are now officially high risk.

· Being a Teen Driver: most people start to drive as teenagers. When applying insurance for the first time, some companies will regard you as a driver with the lack of experience on the road. With not enough experience, insurers are reluctant to provide coverage.

· DUI: this is a serious violation in most states. Driving under the influence of alcohol or drugs is dangerous for yourself and other people. It opens the door for reckless driving, and serious consequences including severe injuries in case accident happen. A driver with DUI record is not likely to get insurance from the standard market.

· Bad credit score: as unfair as it may seem, some insurers use a credit score to determine application approval. Bad credit score has correlations with the possibility of missing an insurance payment. This is not the ideal customer.

· High-risk cars: particular car models including sport, antique, supercars, and collectibles are expensive to repair. They are also a potential target of theft, rendering them high-risk insurance customers.

Non-standard Insurance Market

If a low-risk driver can purchase insurance from the standard market, the high-risk ones can acquire the same thing from the non-standard counterpart. In many cases, the non-standard market is more expensive, but it does not mean that high-risk drivers cannot get affordable coverage. As a company that focuses on the non-standard market, Good to Go Auto Insurance still offers a broad range of discounts and several payment options to make your expenses more manageable.

There are three types of cuts including Driver Discount, Vehicle Discount, and Policy Discount. Each category includes various offers, allowing for more than 40% of discounts on premium fee. Good to Go Auto Insurance has three payment options including monthly installments, quarterly payments, and annual payment, which comes with 31% discount. Most types of discounts from the company require only simple eligibility requirements for examples completing the defensive driving course, installing safety features on the car, activating text blocking device, and some other necessary details. For customers who own dwelling place on their lands, there are homeownership discounts.

Another interesting fact about Good to Go Auto Insurance is that it works within a network of subsidiaries of American Independent Companies, Inc. The branches cover most states in the country and Good to Go Insurance makes sure that your coverage complies with state’s laws regardless of where you live. Quotes from Good2Go Insurance are available for free and accessible from the official website of the company.

Although Good to Go Auto Insurance is popular for its non-standard coverage, which is often associated with state’s minimum coverage requirements, optional coverage such as Comprehensive and Collision are also available. Good to Go Insurance recommends that you also purchase both additional coverage types for better protection on the road. With the amount of saving you can get from the available discounts, adding more protection is still a manageable expense.

11 Tips to Get Repeat Web Traffic

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Tips to Get Repeat Web Traffic
1. Update the pages on your website frequently. Stagnant sites are dropped by some search engines. You can even put a date counter on the page to show when it was last updated.

2. Offer additional value on your website. For affiliates and partners you can place links to their sites and products and ask them to do the same for you. You can also advertise their books or videos, if these products relate to your industry and are not in competition with your own product.

3. You can allow customers to ‘opt in’ to get discounts and special offers. Place a link on your site to invite customers to ‘opt in’ to get a monthly newsletter or valuable coupons.

4. Add a link to your primary page with a script ‘Book Mark or Add this site to your Favorites’.

5. Add a link ‘Recommend this site to a Friend’ so that the visitor can email your website link, with a prewritten title, “Thought you might be interested in this”, just by clicking on it.

6. Brand your website so that visitors always know they are on your site. Use consistent colors, logos and slogans and always provide a ‘Contact Us’ link on each page. 7. Create a ‘Our Policies’ page that clearly defines your philosophy and principles in dealing with your customers. Also post your privacy policy as well so that clients know they are secure when they visit your site.

9. Create a FAQ page which addresses most of the doubts and clarifications about your product or your company that are likely to be asked. This helps to resolve most of the customers doubts in their first visit to your site.

10. Ensure that each page on your website has appropriate titles and keywords so that your customer can find their way back to your site if they lose the book mark.

11. Never spam a client, who has opted for newsletters, with unsolicited emails. Later if they decide they want to ‘opt out’ of the mailings, be sure you honor their request and take them off the mailing list. They may still come back if they like your products. But they will certainly not come back if you continue to flood their email box with mails they no longer wish to receive.

Why Your Business Needs A Proper Video Marketing Strategy

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It’s really a high paced world that we live in and everyone is really busy which means its easy to ‘show’ than to ‘tell’ and its lot easier for them to ‘see’ than to ‘read’. This kind of evolution has made the job of video marketers tough forcing the need to create short and compelling ways for promoting materials. Memory of the audiences that want to see them and buy goods is quite short laying scopes for video materials to invade the field of marketing. Now creating compelling video is not that easy and which is why you should approach a production company.

Video Content Vs Text Format
When it comes to boosting brand awareness and performance of specific content, it is noted that they are much higher on a 129% scale when compared with other promoting resources. In fact, it is estimated by Cisco that almost 82% of the web traffic will be represented through video marketing by the end of 2021. On social media platforms, more than 59% of the users are keen in video content and the same information presented in the video format somewhere goes buried up. The gist is that video contents are gradually conquering the media. To stay in the league, we need to move with the flow and accommodate customer preferences accordingly.

Types of popular videos
For a new businessperson, the idea should be to focus more on integrating videos into marketing strategy. Here are the types of videos that have been found to resonate well with the audiences more.

Explainer Videos
Pretty easy to watch, more entertaining and usually made with animation, explainer videos simply suggest how awesome your product or services are! They are easier to produce when compared to the live action kind of videos and present your service in an engaging way. Commercial production companies can help you develop a compelling explainer video if you are finding it increasingly difficult and complex.

How to Videos
Not to be confused with the previous one, these don’t just promote product or brand value but also explain how you can use them. They often suggest the pros and cons of the product and you will find multiple similar videos online with the same purpose. Almost more than 90% of the smartphone users search ‘how to’ videos online and tend to ignore the same information already presented to them in text format.

User Generated Videos
These kinds of videos often help influence customers who are about to pick a product before purchase. Videos generated by the users and customers of the same product often encourage other customers to share similar experiences on the same platform. These videos are believed to be unbiased and authentic.

Product Description
One of the most informative kinds, these videos tend to educate customers about how the product is created, where and how it can be used, why it’s better than the rest, its details, specifics and finally – how it actually works. This kind of trend is much popular with automobile business where more and more companies are switching to such videos carrying their product description with ease.

Growing popularity of online videos have forced SEOs to be more creative and its usually not as expensive as what many believe it to be! With quality as king, well marketed infographics and creative content will positively reward you back with more ROI!

What makes a great TV commercial or video ad?

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Video advertising in the US is a very wide area and if you look at it, you will understand that many businesses are making their name in a successful industry through advertising. The long wait for advertising is considered to be the way forward for the industry.

Advertisements make an impression on a large audience. And one of the best platforms for these ads lately is social media. It is a platform that can easily reach your target audience.

So, everyone is creating ads on social media, social media is a big ocean where you can pass information from one ocean to many others, the same credit that is constantly reaching overseas in a pinch of social media bribe.

Know where your video ad is getting posted

First of all, it is important to see the exact form in which you want to advertise. If you want to create an advertisement in video form, the conditions are different. If you want to advertise like infographics, the condition may be different. You can check all the conditions accordingly.

However, if you want to display video advertisements on television or social media or your WEBSITE, the conditions are different. If you are advertising a video for television. We will see exactly what things or points to keep in mind through this article today.

3 Tips to make your video ad a great copy

With so many platforms, one of the reasons some people can’t run their business through ads is because the way we create these ads, or the way we create them, will appeal to the audience. We need to think about this too. So, video ad creators have to keep in mind that your character is your story because the foundation of any ad is the story.

1) Choose a simple and sweet story

A sweet story means a story that attracts the attention of the audience at the first moment and then you want the advertisement to be the beginning and the end. And if there is a tension situation in your story, it should be resolved at the end and there should not be too much fuss. We must pay attention to this.

2) Short-time ad creation

Creating an ad in a short period of time is also a great skill, but every time you create an ad, the story should be sweet. Besides, one thing to keep in mind is that when a Pali ad is long, it gets boring and distracts people, so time is of the essence. It’s too big and you have to pay close attention to it or you’ll see a huge loss in the future.

3) Great Themes and Visuals

If we can improve any ad that is known from its themes or its visuals from video ads, then we can definitely make the best video ads, that’s why when we watch any video, our attention is drawn to those visuals and then We have to look at both of these things to get our attention.

There is no doubt that if you try to make your business bigger by advertising on television, you will succeed. No matter how many people say that television advertisement in the US is old or outdated, I assure you if you follow these tips, your ads will definitely be a hit.

How to Make Process of Move Bit Easier For Your Kid

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If you are planning to move but you are concerned about your child’s reaction and the phase he/she is going to through then this blog is really going to be very useful for you. It would be better that you arrange for professional packers and movers in Delhi so that you can take care of your child and focus on other move related tasks by leaving all the packing and transporting It is not hidden from you that moving to a new place can be challenging for you and if you don’t take every minute thing seriously then you can face many problems during the process itself and tackling your child under the age of 18 is itself going to be a task for you on which you need to concentrate the most.
It is going to be a very unique experience for you for sure. if you are a caring parent then your child should be your priority so that he/she doesn’t face any problem while leaving the place where they have been living for a long period of time. It ultimately depends on the age group of your children in which they are and so will your approaching strategy to them.

Never change the routine of your child

Children are generally used to of their routine so it is always better that you never change their routine. The more you keep them in routine then more it is going to be helpful for you. It is even more important for the toddlers and young kids who are used of the routine. One thing in their routine moves here to there then they become cranky and things become difficult for you as well.

You are going to take care of everything but still they are going to sense the stress and the hustle in the house that generally takes place between elders when they are working on something day and night so make sure you go and talk to them and tell them on what mom and dad are busy with. It sometimes become impossible for you to keep the routine intact so you should always prepare a moving checklist that you can follow along with the routine of your child. Talk to your child

One of the most important things that you have to do is to tell them about the move for which you have started preparing for. It is very difficult for a child to digest that they are going to leave the house in which they have been living for a long time so it is better that you prepare them and make them understand the reason behind that move.

They way you are going to inform your child depends on the age they are exactly in. If they are teens then you should talk to them and tell them the correct reason behind the move, on the other hand, if they are toddlers then you will have to tell them the preschooler’s language and let them know how it is going to be in a positive way.

Other than babies all the age groups will sense the things so it is better that you convey them before you start with the process because it will become difficult for you to handle children once you have already started with the procedure without having a word with them.

Take suggestion from your children

One of the most amazing things that you can do to include your children in the move so that they feel involved is to take suggestions from them. It will make them feel that your suggestions are valued and their suggestions are important for you.

Make sure that moving house is something that is going to be difficult for everybody in the house, especially for your kid because they are attached to the place where they have been born and brought up.

This is something that is going to be very helpful for you to cope up with the child even if he/she is getting sad about the fact that they will not be able to see their friends on a daily basis or play with them after school hours.

Try to take help from your child in the process of decluttering and packing so that they feel involved and don’t think that it is depressing for them. While working together tell them about the exciting things that you and your child are going to do in the new house These are the things that are going to keep you and your child together in the move. Just make sure that they are telling you’re everything even if they are scared with the fact that they won’t be having any friends in the new school.

It would be better if you hire movers and packers in Delhi so that you can focus on your child and let them do the work of packing and moving in the best way.

These Two Methods Can Help You Get More Traffic to Your Website

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In today’s world, virtually every industry is oversaturated with competitors, and some of them are bound to fade into the background.
That being said, if you don’t know how to get more traffic to your website, it can be practically impossible to stand out from that crowd and convince potential customers to choose you.

But bringing in a consistent amount of website traffic can be challenging, to say the least.

So, how can you actually get people to visit your website?

Well, there are many different ways to drive website traffic, but for the purposes of this article, I’m going to put a broad focus on the two main methods of doing this.

Truth be told, this stuff can get pretty technical, and end up sounding like a bunch of gibberish.

But if you want to be able to bring in enough traffic to ensure your business thrives, then you’ve got to at least have some knowledge of how these tactics work.

That being said, I’m going to try to break things down into language that’s easy to understand and focus only on what you need to know to have a basic understanding of this stuff.

So, if you want to know how to get more traffic to your website, then you’re going to want to keep reading.

In this article, I’m going to explore the two main methods used to increase website traffic, so you can turn your website into the lead-generating and sale-making machine that it should be.

How to Get More Traffic to Your Website Before I get into the tactics you can use to get more traffic to your website, there’s something you need to know.

The fact of the matter is, if you don’t understand your target market, and can’t get into the heads of your ideal customers, then your efforts to drive website traffic will be doomed from the start.

That means you need to analyze your brand to determine which audience(s) you’re targeting, define your unique selling point, and identify the desires and pain points of potential customers.

If you’ve already figured this out, then you’re good to go.

But if you’re not sure about this stuff, then before you start worrying about how to increase website traffic, I would recommend doing a brand analysis first. If you skip this step, you won’t have the information you need to drive qualified traffic to your site, and your efforts will be in vain.

What do I mean by this?

Well, if you don’t understand your ideal customers, then you’re not going to be able to create effective advertising or choose relevant keywords to inject into your content.

And if you can’t do that, then you’re never going to get those people to your website, and the people who do find your site are unlikely to be interested in what you’re offering.

If you want to learn more about what’s involved in a brand analysis, you should check out our 5 Tips for Creating the Best Website Content Strategy.

For those of you who’ve already analyzed your brands, determined your target audience(s), and gotten to know your ideal customers, let’s explore how you can take that information and use it to direct qualified traffic to your website.

READ: Understanding These 3 Trends Will Help You Design the Best SEO Strategy for 2022

3-Trends-Design-Best-SEO-Strategy-2022

There’s no doubt about it – search engine optimization is one of the best ways to bring qualified traffic to your website.

And if you want to generate that traffic, you’ve got to have a strategy.

So, if you want some insight on the latest trends in SEO to help inform your SEO strategy for 2022, then this article is for you.

It discusses some of the latest trends in search engine optimization, including artificial intelligence, user intent, and more.

Keep reading on our website.

Paid Website Traffic The term paid website traffic refers to traffic that’s generated by users who click ads that bring them to your website, which can be purchased on search engines, social media, or elsewhere.

Typically, these ads are charged a CPC, or cost-per-click, meaning every time someone clicks one of your ads, you’ll be charged a fee.

There are so many different options for bringing traffic to your website with paid ads that it’s actually become incredibly overwhelming. There’s Google, Bing, LinkedIn, Facebook, Twitter, Instagram, Pinterest, TikTok, and a plethora of other providers of ad space for you to choose from.

Most of these companies bring in the bulk of their revenue from ad sales, which shows just how effective these ads can be.

According to data from Statista, in 2021, worldwide digital advertising spending sat at more than $521 billion, and is projected to increase to over $876 billion by 2026.

Why am I pointing this out?

Well, if these ads didn’t help companies to drive traffic to their websites, there’s no way they would be spending this much money on them, plain and simple.

So, what makes businesses around the world spend over half a trillion dollars per year on digital advertising?

Well, in a survey from Clutch, 75 per cent of respondents said paid search ads “make it easier to find the information they are searching for on a website or search engine.”

But what is it that’s allowing these ads to connect with the right people and make it easier for them to find what they’re searching for?

This can all be chalked up to user data.

You see, the companies that sell ad space collect a massive amount of user data, which allows you to target very specific audiences, so you can be sure that the people who see your ads are actually interested in what you’re offering.

This user data, coupled with the information you’ve derived from your brand analysis, can allow you to create highly effective advertising, and ensure it’s being served to people who are actually interested.

But unless you want to spend countless hours on researching and trial and error, this is probably not something you should attempt yourself.

Because if you don’t have a firm grasp on how this stuff works, then you’re not going to know what you’re doing, and you could spend a ton of time, money, and energy with no guaranteed results.

That being said, you’re probably better off hiring a digital marketing professional for help with this.

Organic Website Traffic The term organic website traffic refers to any traffic coming to your website from unpaid sources.

This kind of traffic can be generated using many different methods, such as social media marketing, content marketing, and search engine optimization.

And believe it or not, despite the effectiveness of digital advertising, organic traffic is actually responsible for the majority of website traffic, so you’ve got to get this stuff right.

According to a study from BrightEdge, as of 2019, 53 per cent of trackable web traffic was organic.

This percentage is referred to as “SEO”, which stands for search engine optimization, and this is where the bulk of organic traffic is coming from.

BrightEdge organic traffic graph

For those of you who don’t know what SEO is, it’s a marketing tactic that involves doing things that will help your website to be more visible on search engines like Google.

And similar to the digital advertising market, search engine optimization is also a multi-billion-dollar industry.

According to a report from Visiongain, the global SEO services market is projected to grow from $51.74 billion in 2021 to $63.19 billion in 2022 and is expected to generate more than $134 billion per year by 2026.

And according to a survey from Search Engine Journal, businesses are spending an average of between $1,000 and $5,000 per month on SEO.

So, why are businesses spending this kind of money on SEO? And why is SEO spending set to increase?

The reason this is happening is that business owners know SEO is one of the best ways to generate organic traffic, and as everything has moved online over the last couple of years, it’s bound to become even more effective.

At any rate, it’s important to mention that at least in the short term, organic traffic is unlikely to generate the number of website visitors that digital advertising can.

But it’s an effective long-term strategy for driving website traffic, and it’s definitely more economical, as you don’t have to pay a fee every time someone comes to your website.

That being said, driving organic traffic to your website requires even more technical knowledge than generating paid website traffic, so if you don’t have a background in digital marketing, you’re better off hiring an SEO expert to do this stuff for you.

Overwhelmed by the idea of trying to get more traffic to your website all by yourself? For decades, we’ve been helping business owners drive qualified traffic to their websites. Contact us today to find out how we can help you bring more visitors to your website.