Universal Life Insurances Can Be Popular – But Is It For You?

Of all the different types of policies, the universal life insurance seems to be the most favorite among today’s policyholders. It is a much later innovation, conceived to meet a modern need. However, it does not mean that the earlier policies have all become redundant. No, even term life, the original life insurance policy, has quite a big following even today and so have the whole life policies. Nonetheless, people seem to prefer universal life because it combines the low cost protection of the term life with the saving elements of a whole life to provide a perfect solution to modern insurance need.I am sure you are aware that the term life is the original type of insurance policy. Indeed, life insurance may have actually started in the form of burial clubs and artisans’ guilds in the Middle Ages, but the term insurance that we know of today is a much refined version. It is a pure life insurance policy valid a temporary period only. You can buy one for a period of 1/5/10/15/20/25/30 years. Since these policies do not accrue any cash value, you can have a large coverage at a very reasonable rate.However, on the con side, unless you die within the valid period, the term insurance policies offer no return. The whole life policies were next conceived as its antidote. They had saving element incorporated in them. However, such policies were little too expensive and premium payment mode was little too rigid. The universal policies came next. It became instant hit because it offered more flexibility when it comes to cost and coverage.Indeed, if you want to take advantage of the market without loosing the security of the life policy, there can be nothing better than a universal life. Following are some of its salient points:• It is a permanent policy valid for the life of the insured and so whenever the insured dies, his beneficiary is sure to get the benefit.
• These policies are slightly overpriced and amount paid above the cost of insurance is credited to a cash value account.
• Interest too is credited to the account. It may either be determined by the insurer or pegged to financial indexes such as stock, bond etc.
• If you fail to pay the premium, the amount will be debited from this account, thus keeping policy in force in spite of occasional lapses.Today we also have variable universal insurance, which allows the cash value to be directed to a number of separate accounts that operate like a mutual fund. However, since these policies are equity based, they can offer higher return, but if the market goes down, they offer greater risk too. If you are buying the policy solely for insurance purpose, such a policy may not be a very good idea because the death benefit will be paid as long as you have enough cash value to pay the costs of insurance in the policy.However, it is not for me to tell you what type of policy to buy. Receive different categories of life insurance quote on line and then decide. All said and done, I cannot stop myself from adding that, for life insurance purpose, you will do well if you buy only a term life insurance. It is true that a term life does not offer cash value, but its rates are so low that only a financial fool will expect it from the policy. Instead, the financial advisers say that one should buy a low cost term life for insurance purpose and then invest the difference in separate fund.However, not every type of term insurance is cheap. The term life insurance no medical exam policy for example is so expensive that the concept of investing the difference cannot be applicable here; in fact, the price structure of such a policy does not leave any difference to invest. Sometimes they are as expensive as a universal life policy is. Yet, such policies are no less popular because they too have some unique advantages.No medical policies provide instant coverage. You apply today and if you qualify, your family will start being covered by the policy from tomorrow and that too for the full amount. Of course, just as every other case, suicide within first two years is always excluder from its purview; otherwise, every other type of death in included under this policy. You may wonder why this policy is so expensive. Actually, without the medical test, the carriers can never work out the exact cost of insurance and so they charge more. Remember, they are here to do business, not for charity.

SEO Video Marketing That Can Lead To Powerful Results

If you’ve been looking for ways to generate more revenue for your business along with bringing more credibility to it, then SEO video marketing definitely needs to be part of your marketing strategy. It is simply a great way to promote your business and gain the trust of your customers and potential customers.

In the past few years Google has given more relevance to YouTube videos within their search results. A simple search on Google will result in a few listings that include YouTube videos within the top results. As this trend continues now is the time for you to take advantage of it by creating videos for your business that relate to the products and services that you offer.

There are a few ways that you can go about doing this and I’ve outlined some of the types of videos that are most commonly used with SEO video marketing.

Option #1: Explainer Videos

This type of video focuses primarily on explaining a product or service. It can also be in the form of a tutorial. These types of videos when done correct can go viral based on the informational content. People search YouTube every day for tutorials, and if your video has great content it will result in more views and will give your business more exposure.

Option #2: Promotional Videos

If you are going to create a promotional video you’ll need to ensure that everything that is mentioned is indeed factual. Many videos are flagged daily that are believed to be misleading and commercially deceptive, so you’ll want to ensure that your video is done in such a way that while being promotional still builds trust and credibility.

Option #3: Slideshow Videos

These are the types of videos that you need to avoid due to the high level of flagging that occurs with these video types. A slideshow video usually is accompanied by music in the background and its entire focus is highlighting text with related pictures. These videos were very popular initially, but have recently led to a high level of flagging due to their low quality content.

Now that you know the three types of videos that are usually used in video marketing, you can now go ahead and start the process of determining your niche. That’s the first step you need to take when undertaking an SEO strategy.

Upon choosing your niche and determining your target keywords, then you’ll want to complete all the standard techniques that you use in traditional search engine optimization. This means that you need to focus on having keywords in your video title, body description, along with having your keyword as your video tags. YouTube also has the option for transcription, so you’ll want to include a transcription with your video that is optimized for your keyword as well.

With your video now optimized, the last step is to create quality backlinks to your video along with having social network signals. This simply means to get links from other sites pointing to your videos, along with having Facebook Likes & Shares, Twitter Retweets, along with Google + votes all directed to your video.

By following these simple SEO video marketing strategies, you’ll be on your way to a top ranking in both YouTube and Google for your chosen keywords.

Intown Atlanta – Buyer’s Market

As real estate markets fluctuate around the country home buyers are seeking areas where the market is stable and favors the buying of homes. Occasionally they find an area that is hot for a few weeks but these spurts generally do not last very long. Sellers are likewise wondering if their area is going to pick up and see a shorter average listing time from open until sale. Intown Atlanta is a market to watch currently as there is quite a bit of action happening in this area. In fact Atlanta is showing definite signs of developing into a buyer’s market and there are some great deals to be had on beautiful homes.

Buyer’s markets are simply the best time possible to purchase a home. Atlanta’s current market is running somewhere around 5 available houses for each buyer that is out there so as you can well imagine there is some really attractive pricing happening here in order to garner the attention of buyers. So what can you do to get yourself ready for buying in a buyer’s market? The best thing to do is to be ready to react quickly. Homes can move pretty fast in a buyer’s market so you need to be ready to move at short notice. This will of course mean that your finances should be pre-arranged and pre-approved so that when the home you love comes available you can make a move on it.

The home buying climate is not the only attractive thing about Intown Atlanta, For years Atlanta has been one of the most lively southern cities and along with Miami, Dallas and Houston is a driving force in the “New South.” Atlanta is a growing city that is constantly adding new amenities and recreation facilities for the new residents that have flocked to this area over the past decade. Atlanta has dealt well with this influx in stride, providing excellent public services and employment opportunities with such notable companies as Coca-Cola, Home Depot, UPS and Cingular Wireless calling Atlanta home for their headquarters. Atlanta is a growing city with a lot to offer. With the current state of the real estate market it makes sense to check Atlanta out if you are seeking an area for a new home.