The law changes and, for once, protects employees

Washington likes acronyms when it comes to lawmaking and this new law is no exception. This is the Genetic Information Nondiscrimination Act (GINA) and this November sees it finally come into force. Because it affects both employers and the insurance industry, this has been a hard-fought change and was only signed into law last year. Now it should prevent you from obvious discrimination. Sadly, it does not rule out discrimination by backdoor means. If an employer overhears you talking at the water cooler or routinely surveys local news including the

Myths that plague small business owners

Before you tie your shoe-strings and take your bank check ready to get insurance, get yourself together and ask yourself - do I really need it? If the answer is "no" - just forget about it and switch onto a new subject. If you still insist you need insurance then please focus on the following articles and give us 100% of your attention.

For women - planning our insurance needs

Once, the world was simple. If there were two opposites like either/or and day/night, it was easy to treat them as different and act accordingly. Then along came the idea of equality and some opposites were judged the same when it came to the treatment they deserved. At least, it's now politically incorrect to suggest men and women should be treated differently. So the law imposes rules to

The color of expensive car insurance

Is it true that red car owners have more speeding tickets than people whose cars are colored differently? Does your insurance company set rates according to the color of your car's body? Have colors have anything to do with the likelihood of car accident occurrence?

Life insurance in California

In case you want to purchase an insurance policy or annuity contract in California, the first thing to think about is your exact insurance needs. Many people pay for insuring their life without knowing exactly what they are paying for or what type of insurance they have at all. And they spend quite a lot of money, believing that the benefits and financial possibilities they are offered with will make some good use. But unfortunately, in most cases people are just

The benefits of joining an auto club

You may think that joining an auto club (like AAA) will give you only roadside service assistance and some discounts when booking a hotel, but there's just a lot more to it than that. Even non-drivers should think about becoming a member of an auto club. There are just too many advantages of joining such a club to not getting into one right away.

How to get life insurance in Arizona

With so many insurance products on the Arizona market today, some people have a really hard time finding exactly what they want without the initial confusion. Besides all typical types of insurance products such as auto, health, life, house coverage, there are many sub-groups to these types of policies that each caters their specific groups of needs and buyers respectively. Of course, you can drive around your town or city to get all the information you need directly from the

Don't pay much - pay wisely

If your car is as old as 20 years old you must be aware of the fact that you are able to cover it choosing a policy that suits your case the best. The policy will probably differ but that is mainly the good part about it as you need the policy that will represent your interests in the best possible manner. But don't think

7 ways to get sued for insurance fraud

The hard times many of us had to face with the recession have made some people think of "special" ways for getting some extra money. And when every dollar counts, any measure will do. Insurance companies report records in claims these days, typically for small amounts, and there's a growing number of frauds the carriers have to deal with. Having overwhelming numbers of claims may seem like the perfect way to get a fraud unnoticed, but fortunately for insurance companies it is not so.

How credit rating affects insurance premiums

Having a good credit rating will pay off in the end. Why is that? Well, insurance companies tend to offer lower rates to customers with a good credit rating, because they are considered to be less risky. And taking into account that your credit score is one of the most essential factors determining your risk grade, it's really wise to keep it as good as possible. Insurance companies are approaching credit ratings from statistical point of view, which states that people with better

Insurance for students

No-one said life ever has to be fair but, as parents, you quickly discover the world is not set up to make things easy for you. There are challenges at every turn. Of course, all the healthcare needs can be put on the back burner if you or your partner have a family plan provided by your employers. Now all you have to do is read the small print to see what coverage is provided for children while they are at elementary school or high school while still under the magic age of 18

Shopping for the perfect policy

For many drivers out there having their car insured costs quite a lot of money every year, with car insurance making up a hefty part of the budget. Depending on the number of cars, their models and makes, your driving and credit records, and location auto insurance can cost thousands of dollars per year. And of

What can you do to lower your car insurance premiums

Insurance is all about estimating the risk of being in an accident. If you are a very safe driver, you will pay less than someone who regularly crashes into other motorists. Unfortunately, insurance companies cannot look into the future to discover whether you will have an accident in the next year. All they can do is

Writing a good headline for your advertisement

There is no denying the fact that the success of an advertisement lies mostly in the headline. The headline should attract the reader and make him read the rest of the advertisement. The headline should be simply catchy and various key points should be embedded when deciding on the headline for the ad.

Women in Advertisements

Featuring a female model in advertisements initially started with advertisements on products like alcohol and adult entertainment. The trend then spread like a wildfire in the market and is still being widely used although being exaggerated. It has become a compulsion now to have a beautiful model in all kinds of advertisement, which sometimes seems unnecessary. They seem to sell anything from shaving gel to cars.

Many women right activists say that the women are being projected as merely an object by such advertisements. But the harsh truth is that advertisements featuring women is influencing viewers of all ages and advertisers have realized this. The advertisement starts with an attractive woman posing in seductive ways followed by the product or the service offered by the company. The beauty of the model already lures the customer, so advertisers do not have to put in more effort to motivate them.

Research in Advertising

Research in advertising is done in order to produce better advertisements that are more efficient in motivating customers to buy a product or a service. The research can be based on a particular advertising campaign or can be more generalized and based on how advertisements create an effect on people’s mind. Lots of approaches are involved to go about conducting an advertising research like economical, psychological, demographical and sociological. 

Search Engine Optimization and Advertising

In today’s net-savvy world it has become common for any business to have a website which they use mostly for advertising their products and services. With the advent of search engines it has become even easier for the customers to search for the stuff online. For a website to be successful its link should land in the first three pages which the search engine brings and the rank of the page should be high which means many visitors come to the site. This can be achieved by applying search engine optimization or popularly known as SEO. This is a marketing strategy which increases the quality and quantity of traffic flow to a particular website via search engines.

Advertising in Newspapers

Newspaper advertisements are as old as advertisement itself. Although, it’s an age-old method of advertisement, it still receives the same response and is highly successful. Both small and large businesses still choose this method to promote their products and services. Ask them and nearly hundred percent advertisers would select newspapers as their primary advertise medium.

Low Cost Advertising

There is no better advertisement campaign that is low cost and also successful at the same time. Great business ideas when utilized effectively can save lots of money. This is not only easy for those who work full-time as an advertiser, but also for those who work from home.

Advertising from home is also a low cost option, which involves making and distributing fliers. Usually potential customers will visit home for business dealing. Print good amount of fliers and give it to anyone who is visiting home like family, friends, mailman, etc. Business cards can also be distributed. Few selected people can be given sample of the product. For those who work outside home, employ college students to distribute fliers at supermarkets, community centers, or malls, especially on weekends, when there is a rush.

Impact of Colors in Advertisements

Human brain receives signals faster through eyes rather than ears. Visual appearance is supposed to be more appealing when compared to any other senses, no matter what the medium of presentation is. So, there are methods by which one can increase the visual appeal. Other senses facilitate visual appeal, and are also important to concentrate on.

Typical example is color when accompanied with audio, and writing. According to a study, big budget companies spend billions in the color market research, which helps in product and packaging development. Color, along with content, helps to pertain the interest of the visitor and makes him surf the website longer. A colorful article will make the reader read it till the end. Color makes things look more amiable.

Mortgage Protection Life Insurance

Many people have heard of mortgage protection through insurance policies but it may sound quite complicated. To answer the question in simple words: mortgage protection through insuring ones life is a form of personal insurance that pays off mortgage loans for people who were unable to pay it off in full due to death, terminal illness or disability.

Why are premium notices a source of stress?

Life is never fair. Just when you think you have hit rock bottom and things cannot get any worse, they get worse. You would have thought that a recession would mean premium rates would stay the same. In your dreams, you might have hoped for the rates to fall. After all, there's massive unemployment - it's the worst level of unemployment for more than sixty years. With household incomes falling and no job security, this is not the time to find premium rates increasing. Yet when those premium notices drop into your mail boxes, the evidence is there. And it's not just you. Premiums are going up for most drivers. This is so unfair! All but three states in the union have mandatory liability insurance. For everyone who wants to stay legal on the roads, the price of driving is getting to deterrent levels. First it was the price of gas shooting up like a rocket. Now it's those premiums! What's going on?

Is it true that men file more insurance claims than women?

We all know that there's a war between sexes on who are better drivers, men or women? And as men are claiming to be far better at the wheel the statistics are actually on the opposite side. The National Highway Traffic Safety Administration's Report dated 2004 notes men being involved in 27,000 more fatal accidents, 432,000 more injury accidents and 1,369,000 more incidents with damaged property, resulting in total 1,828,000 more insurance claims filed by men in 2004 only. And since then the trend hasn't changed.
And it's hard to tell that the most risky drivers - men younger than 25 years old - are contributing to these statistics. These are actually men of all age groups.

How to write Business-to-Business Advertisement

Business-to-business firms are those firms that sell products and services among themselves. The selling is done to a client of other company, who might use the product for intermediate purposes or so. The advertisements relating to B2B companies should not only generate interest but it should also be simply out standing despite the tough competition. In the market, there are several firms who produce the same stuff and they reach out for clients with whom they want to do business. So finding the right client isn’t a big deal, but actually getting hold of them is.

How to write good advertising content?

To write successful advertisement content is to catch the attention of the customer at first sight as they flicker though the brochures and fliers like they flip through a magazine and not how they will read books with concentration. It need not be necessary that the customer reads each and every line of the advertisement; hence, each line should be effective and should pass out a message. So it’s not only necessary to write logical matter, but it should also be creative enough.