Discover key person insurance, including disability and life cover

Life cover is the financial protection every family needs against the death of a breadwinner while disability insurance and dread disease cover protect against the disability or illnesses of a breadwinner. But did you know that businesses can also insure the life and health of a valuable employee? Read on to find out more about key person insurance.

Wikipedia defines key person insurance, or keyman insurance, as ‘insurance taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of an important member of the business.’ It goes on to say that ‘an employer may take out a key person insurance policy on the life or health of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company.’

A key person insurance policy could be a life cover policy to protect against the death of a key employee or a disability insurance or dread disease cover policy to protect against the disability or illness of a key employee. It is important to remember that key person insurance will not cover actual losses incurred by the business as a result of the death or illness of an employee but rather pay-out a specified amount as detailed in the insurance policy.

Employees covered by key person insurance could range from senior sales managers and project managers to directors and board members.

Consider the following scenarios:

A company’s sales director falls ill and is off work for three months. For those three months sales figures will likely drop. A dread disease policy in that sales director’s name would cover these losses

A company’s managing director passes away. A life insurance policy in his/her name will cover the cost of recruiting and training a successor

A senior project manager falls ill and is off work for two months. A dread disease policy in that person’s name would cover the costs of hiring a temporary project manager for those two months

A senior sales person is disabled in

The Importance Of Advertising

There are several reasons for that, but in general, you need not just to gain profit but make your business grow and retain customer loyalty.

1. Advertising can propagate awareness to your target market.
When you know that your presence is highly felt by your target market, then you feel optimistic that even if you’re
in such a poor economy, you can still get your desired profit and determine the real worth of your business to your customers. Most of all, it gives them the assurance that they will always be in the minds of their buyers whenever they have to make a purchase decision. It’s also for this reason that there are several businesses nowadays, both multinational and small time, which venture into online advertising, besides going for other traditional forms of media, like print, newspaper, and radio.

Nevertheless, you have the ultimate power to soften the blow or prepare yourself with the challenges. You just have to continuously educate yourself, strategize your position, and market your products or services.

2. You can get the idea if your product or service is working for your target market.
With advertising, you can get the pulse of your target market: do they like your product or service? Normally, the audience is very perceptive and sensitive. They tend to react either positively or negatively depending on what they see, hear, or feel. Their feedback, in turn, will reflect on the performance of your business. If they like your advertisement, then you can surely expect a dramatic increase in our profits. If they don’t, then you know that they have a lukewarm reception to your products or services.

3. Advertising can help establish your brand’s position in the market.
Brand positioning is very important. It helps you create an identity not just for your products or services, but also for your business as a whole. This is also the reason why even if your product is placed in between those of other companies, you will still stand out.

4. Advertising can be used to educate

Free Advertising For Plumbers For All Your Plumbing Needs

There are many channels or rather websites on the internet platform that create an opportunity for you to advertise for free in their websites. Free advertising for plumbers is very much possible in free plumbing classifieds and also number one directories of local plumbers. Placing an advertisement in a national directory might not serve the purpose at all. Concentrating on advertising in the local directories will definitely work wonders for anybodys plumbing business.

There are different methods in which one could use free advertising for plumbers. Free advertising for plumbers is very much possible when you link your website to any other companys website or write an article and get it posted on the website. You have a choice to select the method you wish to operate through. You could get listed in any of the directories that serve exclusively the purpose of finding plumbers. London free advertising helps reach the target people easily.

With the help of free advertising for plumbers you are letting everybody find you on the internet and they getting in touch with you for their plumbing needs become easier. Reaching your target people will become easy if you have a well designed website that speaks of your services on your behalf.

The numerous free advertising for plumbers sites offer a great scope for every plumber to get his share of business in the local area he belongs to. Getting the website and then optimizing it in such a way that it gets lifted during the search results will prove to be wonderful for any plumber. Without free advertising, your costs could shoot up like anything and you will have to invest a sizeable amount for the same. But with free advertising for plumbers, your advertising costs are cut to almost minimum and hence you can take good advantage of the same.

Use Your Email Marketing Software to Its Fullest Potential

Email marketing is a cost-effective marketing strategy that can substantially increase website activity, store activity and sales. With email notifications, reminders, discount coupons and email newsletters, you can keep your current clients informed and intrigued while also soliciting new customers. However, it is imperative that while you use email marketing to increase business, you do it effectively. Here are some email marketing tips that are often ignored, preventing them from making the most of an email marketing campaign.

Contact Information Make sure that on every email, newsletter and webpage there is a link to your contact information. Your contact information should include your street address, phone number and email address. In addition, there should also be an unsubscribe option available that is easy to see and use.

Forward to a Friend Word of mouth is the most effective marketing technique. By including a link that can forward your email message or newsletter to a friend, you can substantially increase the impact of every piece of email marketing.

Offer a Subscription Link Every piece of email and every webpage on your website, even your press releases and articles, should have a subscription link. This can significantly increase your subscription list, increasing your marketing reach.

Add a Site Search Function to Your Email Message The site search function helps your subscriber search for information that he or she is interested in, making the subscriber more inclined to interact with the message and your website.

Add to Safe Senders Make sure your subscribers add you to the safe senders list so that your email marketing emails and newsletters wont be blocked or targeted on a black list.

Telephone Contact Number Every item of marketing including email newsletters, announcements, notifications, discounts, and even your website, should have a telephone number so customers can reach a live person. This helps eliminate any frustration if someone is having problems with your email, the internet or has specific questions. By making the information available, you instill a feeling of confidence in your company and services.

Navigation Links Encourage

Social Network Marketing is a Bust

Many companies believe that creating a myspace, facebook, and twitter page is all they have to do when marketing their website, business, or product. What many companies fail to realize is these social networks provide no actual search engine optimization. 9 times out of 10 even when a user “likes” something on a social network, they don’t in fact visit the website, or much less read what the page is about. Then within seconds the subject is forgotten about, so while you just spent money to have them visit your page, it provided you with no return. As we look into the past it becomes more obvious businesses on every scale are wasting away their marketing budget on useless promotions.

Look at all the money thrown into myspace over the last 5 years, while it might provide a temporary band aid for your internet marketing campaign, in the long term, you’re getting absolutely no return. Now the same thing is happening on facebook. Companies dump their marketing budget into these social networks, building friends, when in a couple years it will mean absolutely nothing. No one uses myspace anymore, and facebook is on its way out too. Once again, providing your business with little return from this kind of marketing. Why fall under this trend, be a leader in your industry and find new ways of marketing your business, ways that actually provide RESULTS!

Instead of sending users to your social network page, send them to your site! Why on earth would you pay for advertising to someone else’s website? You’re literally just throwing your marketing budget into the garbage. From online marketing to television marketing, companies continue to do this. Using social networks to market should be very brief, and low budget. Providing you with opportunities to spend your budget on building a natural internet marketing campaign, something that will continue to reward your business year after year. With the economy the way it is, your business can’t afford useless marketing, especially expensive useless marketing.

You might be wondering, well if not social network marketing, then what? There are many ways you