Digital Marketing of Life. Accident and Health Insurance Products

This introductory book on digital marketing of life, accident and health insurance products is to make it easier for everyone to reduce financial uncertainty in their lives and that of their loved ones, and to manage more efficiently and effectively accidental loss.This is achieved by substituting of a relatively small fee referred to as premium paid to a professional insurer in exchange for the insurer assuming the risk of a large finacial loss, and the promise to pay in the event of such a loss. It is estimated for example for a premium cost of $26 a month, a 40 year insurable man can buy a 20-year, $500,000 term life policy. There is a palpable ignorance of the great benefits provided by these insurance coverage; and there is an observable distrust by the general public because of the past failures of some insurance companies to meet up their promised obligations to pay benefits.This problem can now be mitigated to a large extent digitally by potential buyers checking out the predictive accuracy of the risk profile, and checking out the credibility of the insurance company through such reputable credit agency like AM Best, the World's most reputable credit rating firm established in 1899. Insurance coverage can provide protection, death benefits, final funeral expenses, income protection, child education benefits, retirement plans, capital generations; estate assets, medical benefits, long, short term disability benefits and accident benefits by bearing these high costs in exchange for the relatively small premium paid to the insurer.The essence of the book is to explore and expand the use of internet and on-line based technology platforms such as computers, mobile phones and other digital channels such as Facebook etc. to educate and communicate the benefits of the different insurance coverage; and to choose the appropriate insurance company so as to help to mitigate the risks of buying inadequate insurance coverage and through a financial strong insurance company. This would help reduce potential risks of buying the inappropriate insurance coverage; and doing these through financial weak insurance companies with past records of delaying and declining benefits payments when losses are experienced.

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