Aneka Info

The life insurance industry has misunderstood been when it comes
on the sale of life insurance policies. People need to
You appreciate the fact that die only a part of life is.

There are many things that need to be taken into account before purchasing
a life insurance policy. There are 3 main types of life insurance
View guidelines for term, vocation and life. We take a look at these three.

Whole life insurance is designed to you for your entire cover
Live. If you pay your monthly premiums a portion goes to pay
for your life insurance policy while the rest goes into savings
Account. This savings account is called "cash value"
that against, can be borrowed, if necessary, after it is created, but it,
must be repaid.

"This whole life insurance policies tires" "when"
the individual insured persons are 100 years old. At this point the
Insurance company is the insured person for "face cash"
Value "and" Cancel "policy." Face value is the amount of the
Policy would have paid in the event of death of the insured person
Person.

Endowment insurance policies are paid for a
specified amount of time before the directive "matures". Some reasons
It might be for endowment insurance college tuition, retirement,
ect. Endowment guidelines are usually more expensive than they are
full after a certain time period should be paid more
as being paid in the period of the insured person lives.

Term life insurance is the cheapest way of politics, the
You can buy. These policies can be purchased for a certain period of time
Period or "Term" as well as the Foundation policy, but it is
No cash value with term insurance policies defined.

Term policies are ideal for those who require additional security
from a specific period of time. An example would be the breadwinners
the family may need additional insurance cover during his or
Their career if she would have more obligations.

Before purchasing a life insurance policy you have to sit down with your
significant others, if you have one and go through each account you have.
To separate these bills, find out what are your regular monthly payments
for your budget and how you have a lot go out in payments, which is
Be finally satisfied.

Examples of payments, that be finally satisfied are auto, boat
Furniture, home, etc. This should be in the amount of which thought reporting
required, in the event of the death of the breadwinner pay off.

The other pile include what will be your cost of living without
These payments. This pile should contain homeowners insurance, life insurance
for the surviving members of the family, food, utilities, clothing, etc..

You must consider the loss of income from the breadwinners.
This can prove difficult, especially if you have children. You must take into account
Account of their age, how many years have they still in the home, medical
Insurance, dental insurance, school expenses, etc.

Finally you need enough money to allow survival in the event of
that you don't work or simply take a period of "Healing" have to.
The passing of beloved is never a simple event, but there are much worse when
You are not allowed the time to get even above are thrown back into the
Routine of life.

The above things are designed to give you some ideas, what you
a look at must. Each family and individual has different needs
and although expenses and you must take your time to do if your financial
Inventory.

More information about the different types of life insurance
then you should contact a licensed agents and set up
Appointment at your earliest convenience.

Choosing a health insurance plan that is right for your family can be a bit daunting...but it doesn't have to be. Becoming familiar with the different health insurance plans that are available both for individuals and families will help you navigate the health care insurance field and make an better informed decision concerning health insurance. Read on to learn some of the health insurance basics.

HOW TO CHOOSE THE BEST INSURANCE PLAN FOR YOUR NEEDS

First, determine if short term or long term health insurance is what you need. If you are unemployed, yet hope to be hired in a few months with a company that offers group insurance, than perhaps short term health insurance is for you. Also some companies require a new employee to work for three to six months before they are eligible for health benefits. Short term could offer the temporary coverage you need. Next, decide if basic health-care coverage or comprehensive health care coverage will better meet your needs.

BASIC HEALTH CARE COVERAGE

This plans covers inpatient hospitalization and out-patient surgery in case of a major accident or illness. The monthly health premiums are lower and are generally the choice for those who are primarily interested in coverage in case of severe accident or illness.

COMPREHENSIVE HEALTH CARE COVERAGE

This plan covers preventative care, Dr's visits, prescriptions, along with hospitalizations and out-patient surgery. Comprehensive health care coverage has a higher monthly premium, and it generally has a low co-pay at the time of a Dr's appointment. This plan may be the better choice appropriate for those who have reoccurring medical expenses.

AVAILABLE INDIVIDUAL AND FAMILY INSURANCE PLANS

Health care plans usually fall into two categories, indemnity or managed-care plans. They differ in regard to how bills are paid, ability to choose health care providers and out-of pocket expenses. Generally, you'll have a broader choice of health care providers with indemnity health-care plans and less out-of -pocket expenses and less paperwork with a managed-care health insurance plan.

MANAGED CARE PLANS

HMO's (Health Maintenance Organizations), PPO's

(Preferred Provider Organizations), and POS's (Point of Service Plans) are all managed health-care insurance plans.

INDEMNITY PLANS

Under this plan, insurance companies pay their share of the cost for services after they receive a bill. This may mean that you will have to pay your bill for medical care at the time of service and then seek reimbursement from your health insurance company.

WHAT ARE SOME OF THE ADVANTAGES AND DISADVANTAGES OF AN HMO PLAN?

- Lower out of the pocket expenses

- Fewer choices in regard to physicians and hospitals than other health insurance plans

- A PCP (Primary Care Physician) is required and will meet most of your health-care needs

- A referral is needed from your PCP before seeing a specialist

WHAT ARE SOME OF THE ADVANTAGES AND DISADVANTAGES OF A PPO PLAN?

- Health insurance companies offer a network of preferred doctors and hospitals

- These health care providers offer the members services at discounted rates

- Usually an annual individual or family deductible must be paid before the health insurance companies begins to pay out money for medical bills.

WHAT ARE THE ADVANTAGES AND DISADVANTAGES OF A POS?

- Combines features of both the HMO and PPO plans

- Members are usually required to choose a Primary Care Physician (PCP)

- PCP services are not usually subject to a deductible

- Preventative care visits are generally covered

HEALTH INSURANCE TERMS

As with any genre, health care insurance is filled with jargon exclusive to its field. The following is a list of terms and their meanings that will hopefully give you good grasp of health insurance terms.

COINSURANCE

The percentage of medical costs you have to paying after meeting the deductible amount that is attached to your plan.

CO-PAYMENT

This occurs under an HMO plan and requires a specified dollar amount be paid to the health insurance provider on each visit.

COVERED BENEFITS

A covered benefit must always be a medical necessity. The determination of whether something is a medical necessity or not is made by the health insurance company.

DEDUCTIBLE

The amount you must pay in medical expenses before your insurance company will begin to cover your medical bills.

DEPENDENT

A dependent is someone other than yourself who is covered under your health insurance plan. This could include a spouse, child, unmarried partner. For children there are age limits at which they are no longer covered under a parent's health policy.

DISABILITY

In the event that you are unable to work for an extended period of time due to an injury or a medical condition, disability insurance provides funds to cover your living expenses in a specified amount.

GATEKEEPER

Another title for your Primary Care Provider (PCP)

GROUP INSURANCE

Employers often offer group insurance plans. Under group insurance an employee can generally obtain a much more affordable plan.

IN NETWORK/OUT OF NETWORK

In network refers to those physicians who have been contracted under a health care plan to provide services to their members. Staying in network allows lower charges and a smaller percentage of out of pocket expenses. Conversely, going out of network generally means charges are higher and you will have to pay a greater percentage of out of pocket expenses.

GRACE PERIOD

This is a specified period past the due date of a premium during which coverage may not be canceled. This prevents health insurance companies from canceling your policy if payment should arrive a few days late.

OPEN-ENROLLMENT PERIOD

Generally, this is a once-a-year period of time that allows you to make changes to your existing health insurance coverage. (A change in marriage status or the birth of a child also allows you to modify your health insurance plan.

PRE-CERTIFICATION(Pre-authorization)

Before surgery or hospitalization, the insurance company must be contacted to get approval for a medical service to take place. Failure to do so typically means the insurance company will NOT pay for the service. This does not apply in an emergency situation, although the insurance company should be contacted as soon as possible.

PRE-EXISTING CONDITION

A medical condition that existed before an insurance policy became effective. Most insurance companies require a three month to one year waiting period before a pre-existing condition can be covered under their plan.

PREMIUMS

Monthly payments for insurance coverage. Monthly payments can easily reach $100 for singles and two to three times that amount for a family.

REFERRAL

A written form from your Primary Care Provider to another Dr. (usually a specialist) giving consent for you to go to them for medical services.

SECOND SURGERY OPINION

On occasion an insurance company will ask you to be seen by a second Dr. to determine if the recommended procedure is necessary or if an alternate method could accomplish the same result.

URC (Usual, reasonable, and customary)

URC refers to the dollar amount an insurer will usually pay for a service or procedure based on what is customary for the area in which you live. An insurance company will not pay $800 for a procedure that costs only $300.

HEALTH INSURANCE QUOTES

Be sure that you shop around to find the best health insurance plan. Compare quotes from at least 3-5 different insurance companies before you decide to purchase.

BLUNDER #1: "ME-TOO" HEADLINES

I see this big old boo-boo all the time when critiquing sales copy.

If I ever look at a headline you wrote and say, "Anybody could say this," I'm just being kind. What I really mean is, "This headline really blows. Start over."

Let's take a look at how we might never compel anyone to say such a gawd-awful thing about the headline on your ad ...

Obvious Ads

In promos with straight benefit headlines (as opposed to advertorial and dominant emotion leads), your headline will typically focus on the one benefit you believe will be deemed most valuable to the prospects you're addressing.

Alas though, you have gaggles of savvy competitors whose headlines vow to deliver similar if not identical benefits. Heck. You could probably tear their headlines out and paste them on your ad -- and nobody would even notice the difference!

So what do you do?

Simple: Use your headline to differentiate your product - lift it head and shoulders above the competition and leave prospects believing your competitors are "also-rans": Pale imitations.

"Jeezum Pete, Clayton, how in the heck do I do that??"

Here's some stuff to try ...

1. Be Unique: Everybody talks about Unique Selling Propositions today - but the fact is, most of the "USP" headlines I see don't contain a Unique Selling Proposition at all!

According to Rosser Reeves, the "father" of the USP, a Unique Selling Proposition must meet three criteria:

A) It must contain a proposition (a benefit that people are willing to pay for) ...

B) The benefit must be unique (not the same thing a competitor says about his/her product), and ...

C) It must sell (be powerful enough to move the masses).

Oh yeah - I see tons of heads that shout a benefit, and in most cases those benefits are something prospects are willing to pay for. But heads that differentiate the product by presenting a truly unique benefit are as rare as hen's teeth.

And by "unique benefit," I mean a benefit that prospects are willing to pay for - and that your competitors' can't (or don't) promise.

Think: What overlooked fact makes your product work faster than the competition's? What makes it more convenient, more effective, more cost-efficient or cheaper?

Incorporate that into your headline, and watch response soar!

2. Be Specific: Specific facts in a headline do more than just add all-important credibility: They can also ad a heaping helping of uniqueness to your headlines and by doing so, put miles between you and the competition.

Your competitor can claim that his product is the best ever - but if you include specifics that prove yours is better, you win!

A headline for a weight loss system shouting, "Lose weight fast!" does absolutely nothing to differentiate you or your product. Any of your competitors could be (and probably are) making very similar claims in their ads.

Adding razor-sharp specifics - quantifying the results you're promising - can make it come alive:

"World's first and only supplement

GUARANTEED to vaporize 15 pounds of ugly fat

from your belly, hips, butt and thighs in 30 days or LESS!"

Think: How much faster does your product work? 20% faster? 40% faster? Twice as fast?

How much time will it save your prospect? Fifteen minutes a day? Forty-five minutes a day? Five hours a week?

How much money will it make him or save him - down to the penny - and how often? How much will it cut his health risks or mitigate his symptoms?

Load up your headline and deck copy with these differentiating specifics, and you'll be miles ahead of the game.

Advertorial & Dominant Emotion Leads

Many pure benefit leads are no longer working as well as they once did.

Why? The answer shouldn't surprise anyone ...

Every day of the year, your prospect is bombarded with tons of advertising messages. His email box, his physical mailbox, every website he visits, his TV and radio, his newspaper and favorite magazines, even his milk carton and cereal box are crawling with sales messages.

Of the thousand or so ads your prospect will see today, hundreds will have benefit-oriented headlines. And many of them (maybe even most of the ads he gets over the 'net) will feature headlines that promise ridiculously inflated benefits: Benefits that nobody - least of all the guy who wrote them - even remotely believes.

In an act of sheer self-defense, your prospect has cranked his brain's anti-advertising defenses up to DEFCON 5. He's alert and ready to defend against this blinding blizzard of B.S. by ignoring or trashing anything that remotely looks like an ad.

So what's the solution? How do you get through?

Advertorials!

An advertorial is simply a promotion that looks and feels like a self-help magazine, special report or booklet - and that begins just like they do: With a headline, deck and opening copy that offers to bring value to the prospect's life for free - simply for reading.

The copy then proceeds to deliver on the headline's promise by giving the prospect valuable information - stuff that empowers him to assuage a fear, end a frustration or fulfill a desire.

Then, after you've demonstrated your advocacy, expertise and honesty by delivering valuable information for free, you offer him more of the same for free - usually as a "Thank-You" gift for giving your product a fair try.

Prospect-focused, dominant emotion headlines and advertorial copy defeat your prospect's anti-advertising defenses in much the same way Rommel defeated the Maginot Line during WWII: They slip AROUND prospects' defenses by addressing their deepest fears, frustrations and desires.

I've already written volumes on advertorial and dominant emotion leads - and intend to write more. For now, just a few words about the concept or theme you select for your advertorial:

When I say "theme," I'm talking about the general focus of your advertorial. In the investment markets for example, your theme could be great profit opportunities (or dangers) posed by rising interest rates ... the falling dollar ... rising gold or oil prices ... or the emergence of China and India.

Fact is, the theme you choose for your advertorial is one of the two most important decisions you're going to make in your ad. Here are some rules I like to follow when trolling for the ideal advertorial theme:

1. It must be unique: Resist the temptation to create "me-too" themes for your advertorials. If the competition's hottest control is about soaring gold prices, going with the same theme is only going to get you the crumbs off his table.

2. The opportunity or danger must be imminent: I learned this the hard way. If your theme focuses on a danger or opportunity that's years away (like the profit opportunities presented by graying baby boomers, for example), you're gonna get spanked.

3. It must have personal consequences: Goes without saying - but strong themes always imply big personal rewards for reading - or penalties for not reading. "So-What" themes are guaranteed losers.

For a year now, a client has wanted me to create a promotion warning that real estate values are about to crash. I've resisted for four reasons:

First, it lacks credibility. There has never, ever been a nation-wide crash in real estate values. And on the few occasions when real estate values declined locally, they quickly recovered.

Second, I seriously doubt that a real estate crash theme addresses a conversation the majority of my prospects are already having with themselves. With values still rising or holding steady in most of the country, prospects are far more concerned about other things.

Third, I'm pretty sure that a lot of our prospects would shrug at this theme and say, "So what?"

When stocks crash, you can lose up to 100% of your money. And if the company goes bankrupt or is delisted, you'll never get your money back. But we all know that real estate prices always come roaring back after a correction.

And Fourth, the product - an investment newsletter - can't provide any satisfactory solution. What are you going to do? Tell folks to sell their homes and move into their cars? Tell investors to dump all of their properties?

BLUNDER #2: THE BURIED LEAD

Can't tell you how many times I see direct response promotions with fair to middlin' heads and leads ... then read on, only to find a 200-tons-of-TNT lead idea on page 4 ... or 8 ... or 14.

When it happens in one of my packages or a promotion I'm critiquing, it's kind of a "good-news-bad-news" deal.

The bad news is, the copy isn't there yet.

The good news is that a white-hot headline and lead already exists, and just needs to be brought forward.

The problem is, few writers are able to spot this kind of problem in their own sales copy. By the time we have a complete draft, we're too close to the trees to see the forest.

I'm lucky - I have a secret weapon that instantly spots buried leads in my copy: my wife Wendy, a.k.a. The Redhead.

See, I never let anyone see my sales copy until I think it's in pretty good shape. Then, I show it to Wendy before anyone else.

Wendy has a knack for sensing the feelings prospects will have in each passage of copy. What's more, she takes tremendous delight in pointing out the sections that were slow or boring to her. And she instantly spots the sections that cause her temperature to rise.

What's that you say? You don't have a Redhead?

No, you can't borrow mine. But you can find a reasonable facsimile: Another copywriter who'll agree to critique your stuff if you'll crit theirs.

One of the very first things I said at the Summit was, "Many of you copywriters came hoping to find clients; and that's a good thing. But finding another copywriter who'll agree to exchange crits with you can be just as valuable!"

Gospel truth.

Until you find a copy buddy, the simple act of reading through your sales copy with a critical eye can help. Just be alert for subheads, phrases or ideas that grab your gut more powerfully than your lead.

BLUNDER #3: MUDDLED VISION

The other day, I critiqued a package that promised one thing and delivered another. It began by offering a health benefit but right after the headline, launched into a five-page tirade against drug companies.

Prospects who chose to read because of the headline and lead copy would have immediately felt deceived. Ripped off. Flim-flammed. We fixed it post-haste.

More often, I see copy that takes so many sidetrips, you wind up wondering what in the heck the copywriter is smoking.

My advice: Have a roadmap before you get in the car with your prospect. Know where you're starting from and where you're going, then map out the quickest, most direct way to get the prospect from Point "A" to Point "B".

Create an unbreakable, irrefutable chain of logic - beginning with a proposition that the prospect already believes. That gets you on common ground. Then introduce each new idea with ample proof elements to keep his head nodding.

Bring him with you every step of the way. Never make him wonder where you're headed. Never make him feel disoriented or lost. Never make him work to figure out where this is going.

I hope this helps!