Saving Money when Buying Life Insurance

Everyone likes to save money but it's important to keep in mind lower premiums may not be the best way to save money in the long term when buying life insurance. The first consideration is there are two quite different types of life insurance - term life insurance and permanent life insurance -- and multiple ways a policy can be purchased. This complexity basically demands the buyer to do some background research, and carefully compare life insurance quotes. Life insurance is not one-size-fits-all and when comparing your options make certain you are comparing apples-to-apples to get the best low cost life insurance.

Before you buy a life insurance policy you should decide what type of policy is best for you and focus your efforts on financially sound life insurance companies. Check each company out with independent insurance company rating agencies and eliminate any that don't get high ratings. The obvious step in terms of saving money is to take your time and compare life insurance quotes from a number of companies to get an idea of the range in costs. These numbers can vary by hundreds of dollars.

You should find out if you qualify for group life insurance through an employer or other organization because group rates are often much less expensive than individual life insurance. Group life insurance also comes with the benefit of possibly not requiring a health check to qualify for the plan. Another benefit is your premiums may be deducted from your paycheck so you're less likely to miss a payment.

Once you are ready to buy life insurance go ahead and check around one more time to compare life insurance quotes from a number of insurance providers your previous research determined are financially sound. Once again the same policy can cost hundreds of dollars more or less from different companies. Here is where the initial low premium can catch you. Some policies have low premiums that rapidly increase over time, and other life insurance policies have higher upfront premiums, but don't rise as dramatically. Look into the big picture to see which policy actually costs more after five year or longer. You might find the more expensive policy initially is significantly cheaper over time.

Two more places to save money with life insurance is in discounts. Look for premium discounts that kick in at certain coverage levels, such as a discount that makes $250,000 in coverage actually less expensive than $200,000 in coverage due to a premium discount. The second place is how you pay your premium. Paying yearly is often less expensive than paying more frequently, such as paying a monthly life insurance premium.

White Label Social Media & Data Correlation

A company in Dubai has been tipped for a massive impact on the white label social media scene. Two year old start up H2O New Media is causing a bubble of activity within social media circles. White label social media is not a new concept, in fact there over 30 white label social media players in the industry. H2O in contrast seems to have a very different approach to their white label applications that are focused very heavily on how publishers actually make money from their social media assets rather than delivering funky new widgets.

They announced an e-coupons OEM platform last month that uses location based services technology, an article in Digital Production Magazine Middle East stated that H2O had already worked out how to deliver location based coupons to users when they were walking past a store for example. If that's the case then it seems as though H2O seem to have a significant capability in social media data correlation, certainly that's the background of their founder - if its true it could be that H2O start to provide white label social media applications to smaller individual or currently traditional print publishing groups that actually drive social media revenue by using data correlation to deliver highly targeted and time sensitive advertising.

Certainly this would bring a sigh of relief to companies struggling to work out exactly how they will make money from their social media assets. Publishers don't make any significant money from search, a market that's pretty much dominated by Google & Yahoo so their next option is to start utilizing demographic data and applications functionality combined to drive relevant high value advertising with their social media assets.

If H2O have cracked data correlation to be able to work through the myriad of social media data it could be that the Middle East will see its first technology powerhouse develop. All traditional publishers are currently wrestling with the "monetization" question. If H2O have technology that will correlate user actions on social communities together with location information, user advertising preferences and advertisers offers it could be sat on a Gold Mine the size of Google's.