The phrase ?BUY TERM AND INVEST THE DIFFERENCE? evolves around the concept of term life policy which is a basic protection policy and the endowment whole life policy which has protection and investmentsaving features. To put it simply, the phrase means that instead of taking up the endowmentwhole life policy, an individual should buy a term policy for protection and the difference between the premiums of the two policies is to be invested by the individual himself to earn some dividend on the investment.
To agree with the phrase "Buy Term and Invest the Difference", one need to have the conviction and will-power to invest the difference in the premium in an investment vehicle that can pay a return higher than that declared by an insurance company. Unfortunately Authentic Mitchell Trubisky Jersey , most of us do not have the capability to achieve the desired return over time. At times, one is lucky to reap a good return from the equity market but this is all short-lived when the downturn occurs, all gains will be wiped out and may even heavy losses.
However, investment-linked life insurance have been pioneered and offered for sale by insurance companies around the world as one way where it is possible to have both protection and investment at the same time. In the United States of America Authentic Anthony Miller Jersey , investment-linked life insurance is known as "variable life insurance". It was pioneered by the Equitable Life Assurance Society and was offered for sale in 1976. This type of product is recommended if one agrees with the phrase "Buy Term and Invest the Difference".
Investment-linked life insurance policies offer more flexibility to the policy owners and they can choose when to top up or how much, or on what portion of their policy that is linked directly to investment performance. Considering the wide range of investment tools available, investment-linked insurance products may be linked to stocks and shares, property or real estate Authentic Roquan Smith Jersey , cash deposits, fixed income securities, government bonds, corporate bonds Authentic Khalil Mack Jersey , unit trusts, investment trusts, other life insurance and annuities. Investment-linked funds have been created to suit the client's various investment objectives, risk-reward profiles and investment preferences.
With several insurers offering a variety of investment-linked insurance products Authentic Walter Payton Jersey , it is now possible for an insurance policy holder to enjoy protection and at the same time to invest solely in one fund or a combination of funds, subject to certain limitations, such as a minimum of 20% of his investment in each fund selected. An insurance policy holder may switch his investment between funds when his investment objectives change.
As an example, an Income Fund which is managed by a company's in-house fixed-income investment team comprising individuals with more than 20 years of experience in the financial sector. This fund is suitable for policy owners seeking stability of principal and a higher return compared to bank deposits but with acceptable risk to capital invested. The fund is principally invested in fixed-income securities Riley Ridley Jersey , treasury products, money market instruments, collective investment schemes, and any other permissible instruments or investments prescribed by the relevant regulatory bodies to provide a steady return to policy owners through accumulation of capital over the long-term.
Without the existence of investment-linked products David Montgomery Jersey , one may disagree with the phrase and may not "buy term and invest the difference" but instead to take up a traditional participating life insurance product that provides life protection with an element for investment. The premium may be higher but it leads to wealth creation for the future.
Article Tags: Investment-linked Life Insurance, Investment-linked Life, Life Insurance, Policy Owners
Web Design Tips To Boost Your Online Sales ECommerce Articles | December 21 Akiem Hicks Jersey , 2004 The way you design your web site affects your ... online ... As each visitor to your site is a ... ... the easier they find your web site to use and the more they enjoy being
The way you design your web site affects your visitors? online experience. As each visitor to your site is a potential customer, the easier they find your web site to use and the more they enjoy being on it, the higher the chance that they will make a purchase.
Therefore, a well designed web site really CAN boost your sales!
In this article I?ll share my five favorite web design tips to help you increase your online sales.
Tip 1: Choose Your Colors Carefully
The colors that you use will determine how your web site comes across to your visitors. Dull colors will make your site seem plain and boring whilst overly bright colors can make it seem chaotic and unprofessional.
Red and Yellow draws the eye in. Therefore it can be a good idea to use these colors for banners and adverts that you want your visitors to focus on. However Tarik Cohen Jersey , use these colors sparingly because they cause eye strain which means that visitors won?t want to look at your web site for long periods of time.
Tip 2: Avoid Slow Loading Web Pages
The amount of time that your site takes to download is critical. If it takes too long to download, you?ll lose potential customers who can?t be bothered to wait.
There are things you can do to speed up how long your site takes to download. Images and media are the worst culprits when it comes to slowing down your loading time. I advise you to avoid using any kind of multimedia on your web site and if you want to use images, try and keep them small and to a minimum.
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