Britax Advocate Convertible Car Seat Review

If you’re looking for a nice convertible car seat, I highly recommend you consider the brand Britax. Not only does this brand have the highest ratings and reviews from parents, but they also have the best quality and some of the safest seats on the market.

I like to think of Britax as the Cadillac version of a car seat. Although they may be a little more expensive, they are worth every penny. When it comes to our child’s safety, we definitely don’t want to go cheap! Not to mention, buying a used car seat is something you shouldn’t even consider! When you buy a used baby seat, you don’t know the history, if it’s been in an accident, and even more importantly, if it’s expired. These are all risks you don’t want to take!

When it comes to Britax’s seats, I highly recommend the Advocate. This seat like the others has great reviews, rating, and features! What does it include? Continue reading below to find out.

What features are included?

First of all, this seat is made for children 5-65 pounds. This is great because you can skip out on an infant seat and go straight to this seat the day your baby is born.

Also, this seat has a quick adjust head restraint for easy adjustment of the harness. Along with that, the seat includes true side impact protection to help distribute crash forces and vehicle intrusion. Lastly, it has a click and safe snug harness indicator!

This seat has it all! The safety, comfort, reviews, high ratings, and much more! Not to mention, this seat has a smaller base to ensure a tight installation for all types of vehicles!

Understand The Suicide Clause In A Life Insurance Policy

A policy holder who feels like he is down in the dumps would be tempted to take his own life only to leave his loved ones a considerable amount of money from a life insurance policy. Suicide of a family member is one of the most disheartening situations any family can encounter. This incident could also complicate the process of claiming the life insurance benefits. But the question whether an insurance company will grant the insurance benefits to the recipients will be hinge on clauses in the policy. There are instances when a policy’s suicide clause holds back the redemption of the benefits. Sometimes the policy holder does not easily recognize this clause concerning suicide because some policies use languages like “intentional self-destruction” or “death by one’s own hand” to describe the act.

Forms

A suicide clause is just one of the clauses or stipulations that you can find most life insurance policies, while the stipulations may also differ to some extent depending on the state or country. Some insurers include a free look provision that offers the policy owner a considerable period of time to review a policy after it was issued to for the buyer to decide whether he wants to purchase the policy. Incontestability clause prevents the policyholder from annulling the policy after it takes in effect for a definite period of time, except if the policyholder cease from paying the premium.

Purpose

A suicide clause states that policy benefits will not be granted to policyholder’s beneficiaries if he ends his own life within a specific term following the inception of the policy. In circumstances a policyholder passes away within that period covered by the suicide clause, the insurer usually investigate the claim strictly to guarantee that the demise of the policy holder was not a case of suicide.

Benefits

A suicide clause guards an insurer against a circumstance where a policy holder commits suicide with the objective to give his recipients a considerable sum of money from life insurance claims. Considering the fact that contemporary life insurance policies can easily build up a face value of $100,000 or more, the clause can protect the insurer from disbursing such a significant amount of money.

Insurers are not the only one who benefit from suicide clause, even the desperate and emotionally distressed policy holders gains from this clause. For example, if a desperate policy holder learns that their beneficiaries might not get any benefits from their insurance plan if they commit suicide, the person may reconsider his attempt to commit suicide.

Time Frame

A suicide clause usually covers the first two years that the life plan has been in effect. In case the suicide transpired within that period, the insurer will just hand back to the policyholder’s recipients any premiums that have been given to that point. If suicide happened subsequent to the clause period, the life insurance company cannot refuse coverage.

Double Your Conversion Rate in Four Steps

Introduction

Increasing conversion rates is a top priority for many B2B marketing and sales teams today. While some B2B marketing campaigns achieve conversion rates of 50% or higher, many are in the 1.5%-3% range. Even though CSOs worldwide identified investments in optimized lead generation programs as a number-one priority, only about half of all B2B marketers currently utilize programs.

Converting a prospect to a customer and a customer to an advocate relies on solid data and continuous communication with customers. By driving more traffic to highly effective web pages, marketers can achieve higher conversion rates that ultimately lead to higher sales and profits.

Knowing that improved conversion rates are key to an email marketing or promotions campaign, many questions remain. How can B2B marketers increase conversion rates without a substantial investment in costly software and IT involvement? What are the characteristics of a successful campaign? What are the steps involved?

This white paper will identify four steps required to double the conversion rates of B2B companies of all industries and sizes.

Step One: Deliver Relevant Content and Targeted Messaging

Email is the marketing channel of choice for B2B marketers today. In a recent survey, 72% of marketers indicated that they use email as the primary means of communicating with their target markets.iii There is also a resurgence in the popularity of email marketing. Although its returns have diminished somewhat in the past couple of years, email marketing still outperforms other direct marketing channels such as print catalogsiv and paid ads.v A Forrester Research survey in 2008 revealed that 95% of marketers use email marketing, with another 4% planning to do so by the end of 2008vi.

To deliver an email marketing campaign’s desired results and increase conversion rates, marketers must deliver content that is relevant to and personalized for their targets. Customized content provides deeper insights about a company, service, or promotional campaign to prospects and customers. In essence, marketers need to start the “right” conversation with the “right” targets. But how do companies go about achieving this? To double conversion rates, successful marketers drive their targets to effective and action-oriented landing pages. These are distinct, stand-alone URLs created specifically for a target market for a specific promotion or email marketing campaign. Landing pages offer detailed information on a particular topic, product, promotion, or event.

When linking these personalized landing pages to targets, however, it is vital that marketers retain consistent branding and messaging. In the interest of delivering highly personalized information to key prospects and customers, a company’s identity often gets lost. Marketers need to deliver consistent messages that speak to the company’s brand and value propositions at all times, or conversion rates will drop and ROI will plummet.

After starting the “right” conversation with the “right” prospects and customers with optimized landing pages, the next step for B2B marketers is to continue that conversation, using many of the same basic principles.

Step Two: Drive an Always-On, One-on-One Dialog

In Step One, B2B marketers become connected with their targets. The goal in Step Two is to stay connected. When marketers stay connected and engaged with their targets, this leads to increased customer response rate, interaction, and advocacy. How can this be accomplished? To continue to deliver personalized communication, effective marketers solicit information such as identity, demographics, and profile details from their targets. This allows marketers to create and deliver continuous information that is customized and personalized to this target, or drive the most relevant content. It allows marketers to “keep the conversation going.”

Personalized URLs, or PURLs, offer an effective tool for staying connected to key prospects and customers. PURLs contain detailed, customer-driven information and communicate relevant messaging, which results in better marketing ROI. Communications populated by customer-driven data contain targeted messages and specific actions that marketers could only dream of 10 years ago. Today’s B2B marketers have the right tools to increase conversions. By knowing how to use these tools, the desired results can be achieved.

At this point there needs to be a reminder about branding. At this stage-as well as all stages-marketers must keep branding top-of-mind. Content that is both personalized and incorporates brand is a tricky balancing act. Customers demand a personalized experience today, but companies need to always communicate their brand to their key targets. When marketers employ these best practice marketing campaigns, they are able to influence the discussion about their brand. This can be achieved as long as marketers are able to optimize content easily, instantly, and continuously.

Step Three: Close the Loop on Campaign Conversions

One of the biggest mistakes B2B marketers can make when deploying an email marketing campaign is to send targets to their company’s home page. To increase conversions, marketers must instead create and deploy optimized landing pages. A landing page is a Web page designed specifically for a promotion or marketing campaign. These pages are designed to close the loop on marketing campaign-related activities; they are used to support marketing, brand, and customer communications and can contain brand messaging, data gathering, or both of these. Optimized landing pages, or pages created with personalized and relevant communication based on valuable data, will double customer conversion rates.

Optimized landing pages are the “missing link” for any promotional or email campaign. However, only half of marketers surveyed indicated that they optimize their landing pages to increase customer conversion rates.vii There are many ways to optimize a landing page. It can be as simple as using a customized headline or customized copy. However, when marketers are able to optimize their landing pages “on the fly,” this results in the highest possible customer conversion rates. This means having the functionality to quickly and easily incorporate personalized data. This functionality enables marketers to deliver personalized thankyou pages, personalized email confirmations, secure lead collection, and even storage for each and every client account. Deploying optimized landing pages will ultimately lead to increased sales and company growth.

Step Four: Access Instant and Actionable Analytics

The “right” conversation with key prospects and customers is continuous and never completely ends. In order to deploy email marketing campaigns that achieve higher conversion rates, B2B marketers need to be able to track clicks, conversion rates, cost per conversion, cost per click, and other pertinent marketing metrics throughout the entire campaign. Every marketer has different needs and should be able to utilize a reporting system that provides instant and actionable analytics tailored to their needs. Effective reporting systems contain the parameters required of each individual and provide access to appropriate information needed to assess each campaign and make any necessary adjustments.

Conclusion

As this white paper indicates, doubling conversion rates with effective email marketing tools is not only possible for B2B marketers but can be accomplished without expensive software or IT involvement. With optimized microsites, PURLs, and landing pages, marketers can provide continuous, personalized content to connect and engage with key prospects and customers while keeping brand top-of-mind.

Optimized lead generation programs lead to other benefits, as well. Continuous, relevant content builds customer relationships and loyalty, thereby converting customers to advocates. This in turn decreases customer churn and increases customer retention, which lead to substantial cost savings. As companies plan to invest more and more on email marketing in the next few years,viii it is imperative they turn to optimized lead generation programs to truly cash in on these investments. By crafting relevant messages to key prospects and customers and incorporating the proper analytics, B2B marketers will not only double their current conversion rates but cultivate loyal customer advocates for the long-term.

Resources

I CSO Insights

II Marketing Sherpa’s “Landing Page Handbook, 2nd Edition”

III Direct Magazine’s Annual Forecast Survey

IV October 23, 2007. Magill, Ken. “E-mail ROI Is Still a Stunner, but Diminishing: DMA.” Retrieved from http://directmag.com/disciplines/email/email_roi_diminishing/ on October 14, 2008.

V February 12, 2008. Marketing Sherpa. “Marketing Sherpa’s Fifth Annual Ad:Tech Survey: Top Web Advertisers Rate Best & Worst Online Tactics & Budget Plans.” Retrieved from https://www.marketingsherpa.com/barrier.html?ident=30337 on October 14, 2008.

VI September 9, 2008. Magill,

VII Marketing Sherpa’s “Landing Page Handbook, 2nd Edition”

VIII September 21, 2007. eMarketer. “Email Marketing: Getting Through to Customers.”

Strategies For Finding Missing Life Insurance Policies

If you have anyone depending on you, life insurance is of paramount importance to ensure their financial safety. Once you have purchased a suitable life insurance policy all the beneficiary needs to do in order to collect the payment, is to give a legitimate copy of the insured person’s death certificate to the insurance company. However, if the policy has been mislaid and cannot be found, how does one go about claiming the money?

How to find a missing policy

As there is no Company nationwide that can assist you in finding the policy, you will have to look yourself. While it may be a cause of some consternation, finding it will ultimately bring about a substantial reward.

Here are nine ways of finding a life insurance policy that has been lost:

I: The deceased probably has files that may contain bank account records, documents, or receipts that are proof of a transaction with the insurance company.
II: Contact people who had business dealings with the insured, perhaps they had a business partner whom they trusted implicitly, or a lawyer who handled all their affairs. These people could provide you with the valuable information you need.
III: The insured may have been prudent enough to buy more than one type of life insurance policy, and could have been content enough with an insurance company to continue doing business with them. Finding any such records will simplify the recovery of the policy.
IV: A company’s HR department would have records of any group policy bought by the deceased, so find and contact their past employers.
V: Some life insurance policies pay expenses, and allow interest income to be earned, so have a look for previous income tax forms.
VI: For twelve months after death, the insurance company will issue premium notices or else a yearly statement regarding policy status will be posted to them. With this in mind, take a special interest in the deceased person’s mail for clues.
VII: Each state has a department of insurance, which is often used by companies trying to find beneficiaries of a life insurance policy. This is because the state department may have the requisite information to find the name of the insurance company used by an individual. Contact this department, and they may help you find what you are looking for.
VIII: In the event of a beneficiary not being found within three to five years, an insurance company may decide to give the state the proceeds for safety. If this is the case, a call to the unclaimed property office of the state could prove fruitful.
IX: When the deceased initially applied for life insurance, they would have to have undergone medical testing. The Medical Information Bureau (MIB) may have information on their database pertaining to the insurance company the deceased was insured with.

Time and Payments

There is no time limit when it comes to claiming on life insurance, yet astonishingly, it is claimed that one-quarter of all policies go unclaimed.Yes, even if a policy is discovered thirty years after the policy holder’s death, it can still be claimed, as long as there are no suspicious circumstances surrounding their death, and all premiums were paid.

If the policy holder dies suddenly, and results in the insurance policy being rendered null and void because the premiums were not paid, the company will always try to contact them to find out the reason. At this stage, the beneficiary can make it known that the policy holder is in fact, deceased. Upon producing a valid death certificate, the beneficiary is legally entitled to every cent due by the terms of the policy.

If the policy holder passes away with no one to claim the money however, the insurance company can either turn it over to the state for safekeeping as already outlined, or hold on to the money until the beneficiary becomes aware of the situation and claims it. No matter what, that money stays available until it is found.

The end result

It is often difficult to locate a missing life insurance policy, especially if it has been gone for a long time. It will take time and effort, but, invariably, putting in the hard yards and finding it will justify every second you spent in pursuit.