The Life Insurance Policy And What You Need To Know Before You Buy

The Life Insurance Policy And What You Need To Know Before You Buy
Posted by Don Adams on: 2005-08-21 15:05:10

Are you looking to buy a life insurance policy? Well, be careful. Life insurance can be difficult to understand and it's easy to be conned into buying something under false pretenses.

Recently a prominent life insurance company together with several of its agents paid a huge fine because it permitted the sale of a life insurance policy disguised as a retirement plan. There was little attention given to what a life insurance policy is truly designed to provide.

Life insurance is not an investment for your benefit. It's guaranteed income tax-free cash paid to someone you designate in the event of your death. If you deeply care for someone and want to protect them, then buying a life insurance policy makes sense.

As primary bread winner in your family, your lost income could jeopardize the ability of those you love to continue to enjoy their standard of living.

The only way to guarantee an immediate replacement of this money is with the intelligent purchase of a life insurance policy.

Notice I didn't say term life insurance, low cost life insurance, or whole life insurance.

To your loved ones ... this doesn't really matter.

Over the years I've delivered millions of dollars of life insurance benefit to the families of deceased bread winners. And you know what?

No one ever asked me what type of life insurance policy it was. They were just extremely grateful to get the money.

Term is the cheapest, but it's unlikely the death benefit will be paid since the life insurance policy will probably lapse before you actually die. Right now the premium may seem cheap compared with other types. But what happens when you're older?

Term life insurance premiums can be level for a specific number of years, but when that number of years is up the price will skyrocket to a point you won't be able or willing to pay.

Whole life insurance provides a lifetime level premium until the policy is literally paid-up. This could be 10, 20 years ... or when you reach age 65, 85 or 100. One big advantage is you don't have to worry about your policy expiring before you do.

One type of life insurance policy is not necessarily better than another. But it's critical you understand what you are buying, how it works and your net cost.

After all, if the policy isn't in force when you die you have thrown your premium dollars right down a rat hole.

By the way, don't fall for that line about buy term and invest the difference. Anyone who cons you with this bunch of malarkey has absolutely no idea how to intelligently evaluate the purchase of life insurance.

An excellent life insurance policy to consider is universal life. This is the type of policy that guarantees the death benefit up to age 115 regardless of the performance of the underlying investment.

Although more expensive then term life insurance, universal life is far less costly than a typical whole life insurance policy. But be careful because some universal life policies are sold by focusing on projected interest rates rather than contractual guarantees.

If you are considering the purchase of a whole life insurance policy from a mutual company that declares annual dividends, ask the agent for a hypothetical illustration using a dividend forecast at least one percent less the current rate.

In the past when long-term interest rates were higher, mutual companies credited very handsome dividends to their policies. But today with long-term rates still depressed, it's unlikely a life insurance policy will perform as illustrated.

In summary, pay close attention to the guarantees of whatever life insurance policy you decide to buy. Also, make sure you know the credit rating of the life insurance company.

There is nothing wrong with term life insurance, but understand your options about converting to a permanent plan. This could be critical if you become uninsurable before the policy expires.

Remember, you may never get a second chance to make the right decision.

About the Author

Don Adams is a 24 year veteran financial consultant who provides easy to understand personal finance advice on a wide variety of money matters.

How Does Pay Per Click Work

How Does Pay Per Click Work
By Joel Christopher Remandaban [ 13/08/2007 ][ viewed 4 times ]
This is one of the top questions of a budding internet marketer. Basically, advertisers bid on keywords they believe people that are interested in their offer would type in the search bar when looking for their product or service. This is where the process of pay per click begins. Easy ads are called sponsored links or sponsored ads and they appear next or sometimes above the organic results on the page and the advertisers only pays when somebody actually click somewhere out. Sponsored ads surround the main keywords of search engines. It is the advent of pay per click ads which brought in the most money to online bigwig Google. Google has a somewhat complex algorithm that measures how much you are willing to pay for the ad and how often your ad is clicked.The other pay per click option for you is more like an auction: whoever is willing to spend the most money gets top placement. The common goal of most internet marketers is to be up in the blue area (which sprang out of Google’s algorithm). Ads on Google’s top blue zone have been found to get more traffic that all other ads combined. And so there are some distinct ways to be able to do that. As an internet marketer, the best way to make the most out of your profits is by really making sure you get maximum exposure without shelling out a lot of cash on your part. So if you want to learn how to write good ads, I’ve known a product that has whole hour on it or you can simply just go look at the most competitive markets and see what they do on their ads. So online dating, highly competitive and if you take a look at how they put their ads together you get some really good clues as to what you want to do. So you’ve got very few words to work with if you want to really put this many benefits as you can or features in you ad.If you want to include the keywords that people are searching for, this will prove to be beneficial. Do this as often as possible. For example, with online dating niche, it is vital to use the keyword online dating. Another thing you can play up is your description. Feel free to take on different approaches, but for the most part just make sure that they are well-written ads.You also have to accept the fact that you can’t stay fixated on a single technique, the way applications such as Keyword Elite tend to make you do over time. You got to constantly change. Reinvent and feel free to experiment and not just stick to the old ways of doing things. This way, you get originality attributed to you. Another noteworthy thing about good pay per click ads is that the makers put a lot of information in very few words. You as a newbie do not really need exquisite keyword software to be the best in this arena. You can actually learn the trade by watching how the good ones do it and try to adjust and apply the same styles.



About the author:Joel Chritopher is known worldwide as the MasterlistBuilder who can help you generate leads and increase you profits. Find out more at http://www.masterlistbuilder.com Article Source: http://www.Free-Articles-Zone.com

Make Money Online Using TLC Techniques

Make Money Online Using TLC Techniques
By Joel Christopher Remandaban [ 26/06/2007 ][ viewed 17 times ]
Tender loving care may seem like a funny term to give to a business, but it will actually spell the difference between a business success and a business failure. And the TLC system is not just all about love. It also stands for the things that will help you make a big list for your Internet marketing business. TLC is mainly the three most important factors to mast money making online through Internet marketing. Know these, apply these and you will be well on your way to becoming an Internet marketing guru yourself.T = TRAFFICTraffic generation is one of your best online allies. If you develop the knack for bringing visitors to your website, you will be able to market effectively. You must make your site viewed often by many people so that it will reach your target market and constantly regain exposure from them. You will stand a better chance at selling your products if you have good traffic. Managing your traffic will also help you know your status in your business and what actions you must take to maintain and improve it. Traffic building is very difficult to self-study. Often, you will need a mentor to steer you in the right direction of building and managing site traffic. There are various ways of building traffic which can either be free or paid. L = LEADSYour leads are those visitors who like what they saw so much that they are willing to subscribe to you on a daily basis. Building your newsletter or email list that will keep your customers loyal and visiting your website is very important. You must have these leads to sell to if you really want your product to click. You may actually find your money working for you already, if you have painstakingly taken the time to build your list with both quality and quantity. C = CONVERT LIST OF LEADS INTO BUYERS Your prospects will cease to bring you income unless you get them to buy from you. This is a product of a relationship that you will have to give a lot of time and energy for. People will not buy from you unless they already trust you and have you established as as reliable person who can deliver his promises and go beyond the typical sales pitch. Among many other things, you must go beyond the purely profit-oriented mindset and go for a win-win situation where your buyers will be able to benefit with high quality service while you get well compensated for it.



About the author:Joel Christopher is known worldwide as the Masterlistbuilder who can help you generate leads and increase your profits. Find our more at http://www.Masterlistbuilder.com Article Source: http://www.Free-Articles-Zone.com

Affiliate Marketing for Beginners

Affiliate Marketing for Beginners
By Joel Christopher Remandaban [ 13/08/2007 ][ viewed 4 times ]
Affiliate marketing is a good way to start your internet marketing business. Ultimately, you can branch out to other aspects of internet marketing from starting out as an affiliate. And there are really a few basic ways by which an affiliate earns money. In best layman’s terms, an affiliate is somebody who is compensated when they refer sale of other people’s products. The functionality of affiliate marketing varies over time. When you have other means of earning online as an internet marketer, affiliate marketing may be a supplement. It is the big companies who do most of the work in promoting their products. New internet marketers do not have the luxury of capital nor experience to be able to pull this off as effectively as the seasoned ones. Plus, there is even stiff competition to think about amidst all those inherent personal efforts to improve. But for beginners, the best use of being an affiliate is that it is a relatively quick money maker. And who does not want to take a dip in a bigwig’s pie? It’s great to spend 200 dollars and make $1200 from it, and that is the usual trend when it comes to selling big companies’ products. The fact that it is a money maker is augmented by the fact that it is money earned with less hassle. It’s great to have no customers to deal with. It’s great to not even have to make the effort to put up a squeeze page and build the list and followup and all that.The only downside to relying solely on affiliate marketing is that overnight somebody else can get in and usurp your sales, driving up my ad cost. This is one thing you really need to prepare for if you want to continue being a money maker as an affiliate. The second function of affiliate marketing to the internet marketer is that it s a way to build your business and your list. Your list will not flourish on its own. Just imagine, if you get a whiff of traffic of the world’s best websites, then you are already generating so much in terms of free exposure to your site.Finally, for a more advanced function of affiliate marketing, it is also a great way to gain market research and competitive intelligence. This is the aspect where you get to know your competitors. With this, you get to analyze what they are doing and to see how their process has worked. These three functionalities can exist whether you have application such as Keyword Elite in your arsenal of marketing tools. This is something you can do for minimal cost. As an affiliate marketer, all you have to do to be able to harness all three benefits is to make sure you persevere long and hard enough to sustain it. If you pair affiliate marketing with other types of internet marketing strategies, you will definitely find yourself more able to earn online, gaining continual leverage for your business and possibly, at par with other internet marketing moguls over time.


About the author:Joel Chritopher is known worldwide as the MasterlistBuilder who can help you generate leads and increase you profits. Find out more at http://www.masterlistbuilder.com Article Source: http://www.Free-Articles-Zone.com

Secrets to Affiliate Millionaires - 4 Steps for Monitoring & Tracking Affiliate Marketing Strategies

Secrets to Affiliate Millionaires - 4 Steps for Monitoring & Tracking Affiliate Marketing StrategiesBy: zMillionDollars
For affiliate marketing entrepreneurs, there are many affiliate marketing strategies to drive traffic and boost commission on the internet. However, those strategies will be useless if you can not monitor, track, analyse and evaluate which strategies are perfectly suitable for your home based affiliate marketing business. In this article, you will get basically better understand how to monitor, track and evaluate your own affiliate marketing business. There are steps you must clarify when you are monitoring, tracking and evaluating.1. You have to identify a number of visitors you are converting to customers. This step indicates the conversion rate for your affiliate marketing strategies in the business. You should identify how many visitors you are turning to customers. Also, you should know which affiliate marketing strategies are the powerful approaches to convert highly visitors into customers.Many studies reveal that the conversion rate can be calculated as follows: "Conversion Rate = (A number of sales/A number of visitors)*100"2. You have to monitor and track how many visitors are joining your online newsletter or e-course. The next step for monitoring and tracking is to monitor how many visitors are interested in and sign up your opt-in list respectively. With this result, you will get better understand of how your newsletter or e-course online work for you. In other words, you will know how attractive of your newsletter or e-course is.Many researches reveal that this criteria factor can be computed as follows:"Subscriber Attractive Rate = (A number of subscribers/A number of visitors)*100"3. You have to analyse further about your subscribers. In this step, you should monitor and track how many your subscribers are turning to buyers. With a result, you will get better understand about how effective of your newsletter or online e-course is.The conversion rate for your subscribers can be found as follows:"Subscriber Conversion Rate = (A number of customers/A number of subscribers)*100"4. You should calculate how many revenue you are earning per visitors. In the last basic step, you should determine how many profits you are making from each visitor. With a result, you will know how much you can spend to acquire a new potential customer while you are still earning profits.The revenue per visitor can be calculated as follows:"Revenue per Visitor Rate = Total sales/A number of visitors"Those steps will help you to determine the affiliate marketing strategies in order to maximize the revenue online. With those factors, you will get better understand how great your website, business and affiliate marketing strategies are.Additionally, you should keep tracking on the sources of traffic for your website to determine the effective of your affiliate marketing strategies. You should know and be aware from where your traffic comes. With a result, you can determine which affiliate marketing strategies work well for you and your affiliate marketing business. You can optimize and put more effort and time into your strong affiliate marketing strategies.Final thoughts, the above steps are the basic steps you must know and take into your action seriously in your affiliate marketing business. With those steps, it will help you determine how effective of your affiliate marketing strategies and your affiliate business is. Actually, it is a great idea that you should analyse and evaluate further, apart from those basic steps. For example, you should keep your eyes on which areas your customers are moving most of the time through your website, and how much acquiring new customers cost you. Obviously, monitoring, tracking, analysing and evaluating those elements become major roles of your success in the future.Article Source: http://www.superfeature.comhttp://www.AdSenseThai.Net
เขียนโดย Mr.Free ที่ 11:11 หลังเที่ยง 0 ความคิดเห็น

Secrets to Affiliate Millionaires – The Truth about Super Affiliate Internet Marketing Entrepreneurs

Secrets to Affiliate Millionaires – The Truth about Super Affiliate Internet Marketing EntrepreneursBy: zMillionDollars

Super affiliate marketing entrepreneurs are the people who use the smart affiliate marketing strategies to drive quality traffic to their affiliate website. They are willing to put their effort and time to build, run and grow their affiliate marketing business in the long term. However, the characteristic and how to become a super affiliate marketing entrepreneurs can be found below.The characteristic of super affiliate marketing entrepreneurs are:1. Those super affiliate marketing entrepreneurs always focus on how to convert the visitors to buyers.2. Those entrepreneurs promote actively their affiliate products through multiple affiliate marketing strategies.3. Those super affiliate marketing entrepreneurs always build the relationship with their visitors.4. Those entrepreneurs know and understand that affiliate marketing business is content-driven business. Thus, they have content-rich web sites.5. Those affiliate marketing entrepreneurs establish themselves as experts in the market.6. Those affiliate entrepreneurs always test their affiliate marketing strategies to maximize their profits online.Next, you will discover basic steps of how to become a super affiliate marketing entrepreneurs. Those steps will help you to get better understand exactly steps of how to become a super affiliate marketing entrepreneur.1. Build content-rich website. In fact, the affiliate marketing business is content-driven business on the internet. The first step to become a super affiliate marketing entrepreneur is to build your own content-rich website. With the high quality content website, you are building, running and growing your success affiliate marketing business in the long term.2. Give strong personal recommendation on your website. The product recommendation approach is very powerful and effective affiliate marketing strategy to gain trustworthy, creditability and reliability. With these, you will boost your opportunities to earn more affiliate commission with your potential buyers. Additionally, not only the personal recommendation approach, but you can also provide:(1) helpful tips related to the product(2) customer testimonial and(3) guest articles.3. Capture visitors' personal information. There is no doubt that the reason why you have to capture those visitors' personal information is to build the relationship with them. The better relationship with those visitors you have, the more opportunities to earn more money on the internet you get.4. Sell other relevancy affiliate products. Another powerful affiliate marketing technique, which most success super affiliate marketing entrepreneurs do, is to sell other relevancy affiliate products to their customers. With the great relationship and proper other related affiliate products, you will boost your sales and affiliate commission.5. Run multiple affiliate marketing strategies to drive quality traffic to website at a time. Most success super affiliate marketing entrepreneurs are always looking for how to drive quality traffic to their website. You have to do the same thing. You have to run multiple affiliate marketing strategies to drive relevancy and quality traffic to the website. The more proper strategies you have, the more opportunities to earn more money you get!6. Test everything in the affiliate marketing business. In general, you have to test everything you can do in your affiliate marketing business. With the systematically testing, you will maximize your profits and run the right affiliate marketing strategies to boost skyrocket your commission in the affiliate marketing business.Final thoughts, the affiliate marketing businesses are content-driven business. You have to provide high quality content and run multiple affiliate marketing strategies for your success in the business. There are many ways to provide the content-rich, which are:(1) provide your strong reviews and content(2) write the customer testimonials(3) write the helpful tips related to the affiliate products and(4) allow the guest articles. The real secrets to affiliate millionaire and super affiliate marketing entrepreneurs are to:(1) provide high quality content for your visitors and customers(2) run multiple affiliate marketing strategies and(3) test everything you can do in your affiliate marketing business.Article Source: http://www.superfeature.comhttp://www.AdSenseThai.Net
เขียนโดย Mr.Free ที่ 11:17 หลังเที่ยง

Internet Marketing Made Easy

Internet Marketing Made EasyBy: Roger M

Hello
I'm Roger Mazerolle; I have taken several courses in international trade, which has opened my knowledge awareness that we all are living and working within a global economy.I have joined the Vortex Marketing Group to expand my knowledge base regarding online networking and business development. Through the voucher system I have become a pacesetter and now have a collection of resources and tools used to work towards goals within the digital products and information age.We are working together to build each of our teams. The voucher system allows you to get in on a ground floor business and continue to build it with information and digital products to do your marketing and sales with, thus by working from home you minimize your overhead and you need not stock any inventory or buy any stock. So you can have immediate cash flow from your present job, which give you the freedom to develop your own online business as a sideline and make a residual income from whether you want to market your own product, the product or service of an affiliate company or our products and services, we show you how.A wise entrepreneur once remarked that the only thing that is both necessary and sufficient for the establishment of a successful and profitable business is “Customers”. We will present some of the easiest and most powerful long-term marketing strategies. By implementing these strategies you will see how “online marketing is made easy.”With millions of "newbies" logging on to the internet everyday, the opportunity to capture new market share has never been better. John Naisbitt in his book “Megatrends” describes the rise of networks as one of the ten major forces shaping the future. Networking is people linking resources and ideas with other people.So with products in demand, a team of like-minded people, tools, resources, and free knowledge from experienced internet marketers you can have you own online business.Cordially YoursRoger MazerollePacesetterVortex Marketing GroupArticle Source: http://www.superfeature.comhttp:www.AdSenseThai.Net
เขียนโดย Mr.Free ที่ 11:19 หลังเที่ยง 0 ความคิดเห็น

The Best Way to Make Cash Online

The Best Way to Make Cash OnlineBy: Peter Weeks

These days on the internet there are far too many 'Get rich quick' schemes that are flying around and misleading those people who are just starting out in the business of earning online. The majority of these programs just simply don't work, especially for a beginner.There is no such thing as getting rich quick on the internet!It takes time and effort to build your various streams of income. If you work hard you will make a good income from the internet. Just remember success doesn't come to you, you go to it.But where should you focus your time and effort? What is the best way to start earning money online?In my personal opinion and what many people believe is that affiliate marketing is one of the best ways that you can make money online. It is a very popular method and to be this popular it must be giving many people success.The concept of an affiliate program is very simple. You market someone else's website or product and you receive a commission when a person you referred buys something from that website. This commission can either be a percentage of the sale or a set amount for each person referred who purchases from that site.The amount of money that can be made varies from program to program. Also it depends whether you make an initial payment or if you receive the program for free. For example Your Daily Payday offers it for free but you only receive 50% of the sales. This is still very good considering it's for free. Whereas you can receive 100% of the sales for a small monthly fee.As affiliate programs are so popular it is very easy to find them. You can start by searching on google or visiting Your guide to the best web affiliate programs. The best thing to do is do some research and find what is best for you. If you are a beginner then you may choose to stick with the free programs first until you have found the best ways to market your program.Once you have some programs then you need to promote them to start receiving your commissions. The best way for this is to create a link on a website that you own which is related to the affiliate program. But you don't have to own a website to be able to use affiliate programs. You can use other methods such as advertising in blogs, articles or maybe some traffic exchanges. But be careful with that last option as you might be wasting your time. There is a lot of debate about whether traffic exchanges work anymore but if you choose carefully then you may get some good leads.Now here is a quick summary of the tips that I have provided in this article:1. Ignore "Get rich quick" systems as these will rarely work.2. Concentrate on using affiliate programs.3. Work hard and spend time marketing these programs if you want to see results.4. Also working consistently will help. Set aside a certain amount of time per week to work on your online business.5. Choose about 5-6 affiliate programs to market. The reason for this is that more can just overwhelm you and less means you haven't got much of a backup if one falls through.6. Then market like crazy and watch the money come in.I hope this has been of help to you and I wish you all the luck with your online business.Article Source: http://www.superfeature.comhttp://www.AdSenseThai.Net
เขียนโดย Mr.Free ที่ 11:21 หลังเที่ยง 0 ความคิดเห็น

Starting an Online Business

Starting an Online BusinessBy: Florrie Poff

Starting an online business for some people can be an exciting prospect whereas for others it is seen as an ordeal. There are many points to think about and below are a few of them:* How do I find an excellent product to sell online?* How is a web site set up?* How can I collect payments?* How quickly will profits be achieved?For some people this may just be too much of a challenge in the beginning. However, the good news is you can start your own business on the Internet very easily without the need to create your own product or the necessity to have your own website! The way it can be done is by selling the products of other people and using their website. This is called affiliate marketing.Affiliate marketing works like this; you link directly to an existing website and sell the products of another person or marketer. Once a product is sold using your special link, you will receive a fee or commission payment. Your role is to market the product and send traffic or visitors to the website as all payments and product delivery is handled by the owner.Thus, being an affiliate provides you with a brilliant opportunity to easily set up your own web business which can be running in just a few minutes as you in essence have nothing to set up.However, do not suddenly start this type of business by joining lots of affiliate programes since you need to be careful which products to select. By careful selection, you will greatly raise your chances of being successful and thus make money.It is therefore important to select high quality products. To do this, you need to carefully think what products in your niche are what people are really looking for and not provide them with what you think they would like. You need to look in detail at about a dozen products and compare them. One way of doing this is to check out the sales copy on the web site and check the following:* Does it look like a professional web site or does is it look poor?* Are you 'sold' by the sales copy of the product.* Is the headline of the product convincing and show a benefit?* Is the overall message in the sales letter good?* Is there a robust guarantee? And...* Do you really "know" the product? Let me explain.You cannot truly know a product by simply reading the sales letter; you should order it and see exactly what it consists of. This is a very powerful strategy and if you inform your subscribers you have actually done this and you honestly believe it will be of benefit to your potential customers and not you, then you raise the chances the product will sell.It is not sensible to promote bad products. Of course doing this could make you some income quickly, but you could lose out after a short time because your subscribers may not fully trust you to give them the best guidance in the future.Of course, affiliate marketing is a business and not a hobby so you should be treating it accordingly. It is also a super type of business because it has only a few start up costs and ongoing costs.You should also advance your marketing knowledge every day. To achieve this, you should learn about optimizing web pages, writing stimulating articles for publication and growing your list of optin subscribers. Taking care of the people on your list is an essential part of this and ensuring you treat them honestly at all times.Developing your knowledge about web marketing and applying the techniques you learn will usually be quickly rewarded. With increasing success you may be able to create your own products whether these are information products or software tools.Selling your own products will bring you 100% of the selling price instead of only about 50% of the selling price as is the case with affiliate products. You will naturally always be offering affiliate products, but you would be doing this in addition to selling your own. By working with both you will increase your chances of generating a good income.Planning your online business, whether selling your own products or affiliate products, is essential. All time devoted to this is well worth while and you should work on it daily. As you learn business and marketing systems be aware that you might not get things right at the beginning; this is something that you have to accept. However, starting your business is the key component to your success. By starting and learning more and more, you raise the distinct possibility that your online operation will flourish.Article Source: http://www.superfeature.comhttp://www.AdSenseThai.Net
เขียนโดย Mr.Free ที่ 11:23 หลังเที่ยง 0 ความคิดเห็น