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	07-25-13 2:31am SUBJ1
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Or in other words - I want to syngergize the synergy between the majestic biographies of other entities. I am not an overly skilled copywriter and consider it to be one of the more difficult tasks in my line of work. When using copy to communicate a product or service, you have to first identify the reader. If you are a bank, don't use large and complicated verbiage when attempting to coax customers into putting their money in a CD. If you are selling business coaching, professional but understandable text is acceptable. Regardless, construct your copy to be understandable and creative. Despite the popular "pictures are worth a thousand words" statement, you may not actually need a THOUSAND words when describing a product or service. Most of the time, it is the lack there of or secrecy that will generate more interest. There are levels of information you should give a customer - consumer or business, so that you can snag their attention and get them to do something like request more information. It is very important to identify these levels before developing copy. What do you want someone to do after reading promotional material? Where are you placing the verbiage and how will it relate to your printed or web media? I've found it best to always build a product, its attributes and descriptive language as if it was going to be sold or promoted online. A user website experience is a perfect example of how people read, retain and act upon the information fed to them. If you give to much information, the user is more likely to assume they already know enough and it isn't necessary to request more information. However, if you tease them with just the right amount, they are more likely to be compelled to request additional information. That doesn't mean one-line descriptions will elevate your success, it just means that you should tease the reader, wet their appetite and encourage them to contact you with a strong call to action. So, now that you know how to formulate and design your copy with an idea of how much to use, let's briefly discuss its contents. When working on descriptive text, avoid words like "synergy". These words are what I like to call 'default' words and 62% more likely to be overlooked and ignored. There is a balance between enticing words and words that sound like you are the high school English teacher trying to be cool by dancing at prom - unsuccessful and very, very likely to fail. Remember who you are attempting to communicate to and always assume ignorance. The worst thing you could do is make someone who you are trying to sell to feel inferior with big words. Try to be enticing, short and to the point. Here is an example of a distracting description of services and an example of one that may be just as effective without being obnoxious: Bad: "Sample the soothing and immaculate taste of our natural selection of pastries and divine beverages while enjoying the tranquil reception experience complete with complementary Wi-Fi." Good: "Wake up and feel at home with continental breakfast served in our reception area while staying connected with fast, free Wi-Fi." Sometimes fancy works and sometimes it doesn't. But, in this situation, just get to the point. The words in my first example don't necessarily make me want to stay at that particular hotel. In fact, it makes me automatically assume that it is likely too expensive. Now more than ever, people don't have time to appreciate the thought you put into descriptions that seem overly complicated, give them something simple, fun and memorable. Have fun with it, put something together that will catch their attention. 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These ULIP Policies are more profitable than traditional insurance policies but carry a higher element of risk. The policy holder decides the proportion of the investment component vis-aâ€“vis the insurance component. This transfers the risk element solely in the hands of the policy holder. 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Now it has been reduced to around 8% of the premiums payed because of reduction in commission charges Mortality Charges These are basically charged in order to cover the insurance costs which depends on factors like age of the policy holder insured, the sum assured, and the physical health of the insured. This is a compulsory expense which you have to pay irrespective of whether you have other health and life coverage policies. This results in a deduction in investable corpus. Fund Management Fees These charges are paid for managing the funds and charged as fund managerâ€™s fees. These charges are deducted before computing the net asset value. These charges are low at 1.35%.However these are levied on the accumulated fund value and not on the premium. As accumulated fund value increases due to the performance of the manager the amount deductible also increases. Policy And Administrative Charges This is a charge deducted from the premium in addition to premium allocation charges. This is a small sum in the range of INR 90-100.This is paid for about 5 yearâ€™s .It increases by around 5% each year. This sum is a fixed deduction each year .Even though this sum may be small it has a higher effect on a policy in which premiums are low as it is a fixed cost. Surrender Charges These charges are for termination of the policy, mainly complete withdrawal of the units allocated or the partial withdrawal of the units allocated .These charges are high in the beginning and gradually come down to nil with the passing of time. Fund Switching Charges And Service Tax: These are basically charged for switching of units from one fund to another fund. A certain number of switching of units is allowed on these policies free of charge each year. Based on the risk element of the policy service tax is deducted. How Does A Unit Linked Life Insurance Policy Work?â€¢ The investor has to choose from a set of standard portfolios depending on his risk appetite. These may be aggressive such as those which have a high equity component, a conservative portfolio consisting of a mix of debt and equity and a very high debt component for those who are risk averse. The percentage of debt and equity can vary up to 100% depending on the investors risk perception or capabilities. â€¢ The investor pays a premium and charges are deducted from this premium. Units of the chosen portfolios are taken up by the investor in a similar way to mutual fund units. This follows a pattern similar to a collective pool in a mutual fund .The money collected is invested in a predefined financial instrument which might be shares, debentures or money market instruments. â€¢ A small part of the premium is set aside to provide the guaranteed health cover or the mortality cover and the life cover. On the death of the policy holder the sum assured is paid to the beneficiary. â€¢ The income is gained by the unit holders in proportion to the units held by them. This is indicated by the Net Asset Value of the fund which rises or declines in lieu with the market. The product of the Net Asset Value of each unit and the number of units held gives the value of the policy. â€¢ They have a compulsory lock in period of 5 years and withdrawal is not allowed for the first 3 years of the policy. â€¢ They offer a guaranteed rate of return of 4.5% per annum on the premiums paid. Types Of Unit Linked Life Insurance Policies Type 1 ULIP Policy â€¢ This policy basically charges a premium where a portion of the premium is set aside as an assured death benefit. The remaining portion is mainly used for the investible corpus. What happens if you die during the course of this policy? Will you get both the components of the ULIP?. This policy on the death of the policyholder pays either the assured death benefit or the investible corpus whichever is higher. It retains the lesser amount among the two for itself. 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