#deadhappy

[gladiolus-tattoo]

"Oh sorry I didn't realize I'd woken up in hell" is such a killer line to give when asked to do ridiculous things. I feel you, Seb

[jhamazamnews-blog]

'Absolutely disgusting': Life insurance firm uses picture of serial killer Harold Shipman in advert | UK News

A life insurance firm has been criticised after running an advert featuring Harold Shipman. DeadHappy, a Leicester–based firm with a reputation for shocking adverts, used a picture of the serial killer alongside the text “Life insurance: Because you never know who your doctor might be.” The commercial, which was run on social media, was branded “tasteless” and “disgusting” online. Shipman, who…

[figdays]

Bone Crystal Jewellery // DeadHappy

[johnhammonddesign]

Dead happy. Link in bio. . . . #deadhappy #skullcandy #skullheaven #skullartwork #skullart #skullillustration #skulldesign #skullvector #meltingface #halloweenideas #halloweenart #skulldrawing #skulladdict #vectorart #vectordrawing #digitalart #digitaldesign #illustratorartist #redbubble #redbubbleart #findyourthing #redbubbleshop #redbubbledesign #redbubbleproducts #horrorart #theskullreserve #skullartist #teedesign #metaltee (at London, United Kingdom) https://www.instagram.com/p/CGHzrkNH0wD/?igshid=1oo79p6hoq0pp

[miltonrabadoo-blog]

[dead-happy-design]

Ooak wand collection coming soon, follow my social and shop links on my main page or find DeadHappy on Etsy

[ej-sblog]

Millennials, What Will It Take for You to Buy Life Insurance?

Start-ups are going to ridiculous lengths to rebrand an industry in desperate need of some younger customers.

YuLife is something of a cross between Fortnite and a Fitbit. In the mobile game, players compete against one another to rack up bike miles and meditation hours. They can access hundreds of virtual worlds — collectively known as the “Yuniverse” — each of which represents a level with its own set of real-life tasks. They can challenge friends to a duel, and place bets on who will take the most steps each day. As they go, they earn an in-game currency called YuCoin, which players can then convert into Amazon gift cards, clothing discounts, and airline miles.

But YuLife isn’t some “freemium” game subsidized by ads and microtransactions. The ultimate goal is to … sell life insurance. Sammy Rubin, YuLife’s CEO, told me that he founded the London-based start-up in 2016 after noticing that most life insurers faded into the background after they sold a plan. The effect was leading people to lose sight of why they bought insurance and abandon their plans prematurely. So he hired King Digital Entertainment, the makers of Candy Crush Saga, to turn his life-insurance product into a game — and just like that, YuLife had created a life-insurance metaverse. Rubin said that the company has 400,000 customers, and one in three who have downloaded the app opens it every day. Most users, he said, earn about £10 a month in vouchers.

Life-insurance companies in the U.S. and U.K. are waking up to the fact that they have a young-people problem. The share of Americans covered by life insurance slid from 63 percent in 2011 to 52 percent in 2021, according to the Life Office Management Association, an industry research group. That has occurred across all age categories, but it is most pronounced among people under 40. The stakes are high, given that, like health insurance, young people tend to subsidize everyone else in the system.

To stay relevant, a new crop of start-ups, boasting names like YuLife, DeadHappy, Lemonade, Bestow, and Dayforward, are borrowing tactics from plant start-ups, game-development studios, and ride-sharing companies. Life insurance 2.0 is a slicker, Millennial-friendly product bursting with brightly colored websites and conversational ad copy that wants you to know that this company isn’t like those other life insurers. But rebranding an industry that the average person tends not to think much about has its challenges. What these insurgents don’t seem to want to consider is that maybe the problem isn’t branding, but life insurance itself.

When people talk about life insurance, they are really talking about two broad types of plans. The most popular version, called term life insurance, is a policy that usually spans multiple decades. Before buying and paying monthly premiums, you specify how big of a payout you want — say $300,000 — and if you die during that period, the insurance company hands your loved ones that amount. The other type, permanent life insurance, has no time limit; people pay their premiums until they die. Young people have generally opted for the former to cover them during vulnerable periods of their lives — for instance, from when they have a baby to when their kids are working age. But these days, they are balking at even temporary life-insurance policies.

Industry analysts have a few theories for why. People most often buy life insurance at key milestones in their life, and as younger people, saddled by student debt and underemployment, continue to push back their timelines for owning homes and starting families (if they do either at all), they might be buying life insurance later too. But “even if you take into account homeownership or marriage status, there’s still a disconnect between how many people are buying it now versus how many people bought it 20, 30 years ago,” Niall Williams, an analyst at the tech-analytics firm CB Insights, told me.

He told me that one of the main reasons young people avoid life insurance is simple: It’s a pain to buy. Purchasing insurance from a traditional company like Prudential or MetLife can feel comically outdated. In most cases, it requires going in person to meet either an agent (who sells policies on behalf of a particular company) or a broker (who works like an independent financial adviser, helping people decide which insurer and policy is right for their needs). Then prospective life-insurance buyers submit to blood tests, urine samples, and physical exams to assess their life expectancy. The process takes weeks and helps entrench the life-insurance industry’s branding problem. It can “seem very invasive to the modern consumer,” Williams said.

Behind the Great Life Insurance Rebrand is a basic idea: Signing up shouldn’t be so hard. The industry’s up-and-comers are streamlining the process, and they’re using the same genre of sans-serif-heavy websites that look like they might sell $30 plants delivered to your doorstep. Many of these start-ups — such as Ladder Life, Ethos Life, and Haven Life, all of which launched in 2015 and 2016 — call themselves as “direct-to-consumer” operations, because people can buy their policies fully online. In lieu of a blood test, these companies buy third-party medical data about each applicant and send an at-home test kit if they need more information. Most claim that they can keep the application process to just 15 to 30 minutes, and they have attracted heaps of venture-capital money because of it: Ladder Life has raised $94 million, Bestow $137.5 million, and Ethos $406.5 million.

Other companies are sprucing up life insurance in other ways. The start-up DeadHappy brands its life-insurance payouts as “deathwishes,” which the company’s CEO, Phil Zeidler, told me help makes the goal of life-insurance coverage more concrete to consumers rather than forcing them to assign an abstract dollar value to their life. “We don’t ask the question ‘How much coverage do you want?’ We ask the question ‘What do you want to happen when you die?’” he said. Common “deathwishes” include covering funeral expenses, paying for part of a family member’s education, and buying friends an international trip. Zeidler said the recipients of a life-insurance policy can also reject a death wish and just take the money if they prefer.

A company called Spot launched in 2017 by announcing it would take an Uber-like approach to life insurance. Rather than requiring people to buy a years-long life-insurance plan, Spot customers could buy a temporary policy for as short as one day for when they embark on a risky trip, such as skydiving. The approach, the company’s co-founder Maria Goy told me, was designed to reach customers in their targeted moment of need. “Is there a way to tie the experience that we have in everyday life to a much quicker online digital purchase of life insurance?” she said.

But the life-insurance rebrand isn’t always a David-and-Goliath story. The direct-to-consumer company Haven Life, for instance, was created as an “in-house startup” within MassMutual. “It’s not so much that they have reinvented the life-insurance product,” David Kwon, an associate partner for insurance at IBM iX, the firm’s consulting arm, told me. He said that a lot of the start-ups are actually offering insurance plans that are underwritten by the Prudentials of the world — meaning that, although their marketing strategies might feel new, the coverage they offer isn’t.

Meanwhile, some of the major players are also starting to catch up. Even Pacific Life — whose customers skew older than the average traditional life insurer — is looking to move away from in-person brokers and digitize more of its services in the aftermath of the coronavirus pandemic. Other life-insurance companies have taken more of a YuLife-ian approach. In 2018, John Hancock announced that it was shifting all of its life-insurance offerings to a gamified model, called Vitality. It sent out Fitbits and smartwatches to its customers, saying that policyholders who exercise enough — and therefore earn “Vitality Points” — could save as much as 15 percent on their premium.

But despite the flurry of investor and venture-capital interest, life-insurance start-ups remain an almost negligible fraction of the overall industry. Williams estimated that the start-ups represent “less than .1 percent” of all life-insurance dollars. Zeidler of DeadHappy said that his company has 16,000 customers; by contrast, Northwestern Mutual, one of the largest life insurers, has more than 4.5 million customers.

CREDITS: Michael Waters

DATE: July 30, 2021

SOURCE: https://www.theatlantic.com/technology/archive/2021/07/great-life-insurance-rebrand/619603/

[4ndylikescandy]

xxxtentacion has been pronounced dead

happy pride month!

[gladiolus-tattoo]

Deadhappy aesthetic

[wingedfurygarden]

https://groupsimpatica.co.uk/2021/06/24/deadhappy-putting-life-into-life-insurance/

[debsmooth]

I’m now insured through @deadhappy If you’re thinking about #lifeinsurance, give them a look. Decent rates and hassle-free process. DM me for a discount code. (at Lochend, City of Edinburgh) https://www.instagram.com/p/CN48axOjSkW/?igshid=qclamrx9mcnd

[trendingph]

Sabrina Carpenter - Skin (Official Lyric Video) Stream: Lyric Video Created By: Jessica Severn (@j3ssica7) & Chris Shelley (@create) for Deadhappy Follow Sabrina Carpenter: Instagram: Twitter: Facebook: Snapchat: @sabscarpenter #Sabrina #Carpenter #Skin #Official #Lyric #Video https://trendingph.net/sabrina-carpenter-skin-official-lyric-video/?feed_id=87720&_unique_id=600acc328c456 #carpenter #lyric #official #philippinenews #philippinesnews #sabrina #skin #trendingph #video

[insurancelifedream]

Ten Quick Tips For Life Insurance Suicide | life insurance suicide

Do Life Insurance policies cover suicide? If this is something that you are considering, the answer is a resounding yes! Although many policies do provide cash for life insurance suicide payment to the beneficiary if the insured dies prior to the end of the policy term, there are some policies which do not.

The policies with the payout include term life policies, renewable term life policies and universal life policies. Term policies provide a term of time during which the coverage will continue, such as 30 years. These policies also require the insured to have reached this period to be eligible for the payout. Renewable term life policies are those that will renew every year, with a specified renewal period.

Universal life policies provide coverage for the insured's whole life, but typically require an additional premium each month, unlike term policies. The policyholder has the option of obtaining the premium refunded to them at the end of the policy or continuing to pay the monthly premiums until the policy ends.

If the insured chooses to purchase a cash for life insurance policy, the insurance company must receive a death certificate in order to make the payout. It is essential that the insured provides their insurance provider with the certificate or else they will not be allowed to sell the policy and will forfeit the funds received as the payout from the policy.

It is also important that the insured understand the policy and the coverage before purchasing. Some policies do not cover suicide; they merely provide the insured with a benefit to cover funeral expenses and the loss of income that may occur during the policy term. It is imperative that the insured read over the entire policy thoroughly and learn what the cover will include, as well as the potential benefits.

There are several policies which specifically provide cash for life insurance policy if the insured should die while covered by it. These are referred to as the “self-administered” policy. If you would like more information regarding these types of policies, it is important to speak to an insurance agent. They can assist you in locating an appropriate policy that can protect your family in the event of a death.

Another reason many policyholders choose to purchase a policy with a cash for life guarantee is that death benefits are tax deferred, which allows the insured to be able to pass the money on to heirs without paying taxes. This is a great choice for some families and is an important decision to make.

Although it is possible to purchase a policy with a cash for life guarantee, there is no need to do so unless the insured is not only interested in death benefits, but in protecting their family from any potential hardship that could occur during the policy period. If you are looking for a good policy for your loved one, then contact an insurance agent and speak with them about their product options. While not all life insurance companies offer cash for life policies, it is important to make sure you are receiving the best coverage and protection.

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The post Ten Quick Tips For Life Insurance Suicide | life insurance suicide appeared first on Insurance.

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[deadhappydesign]

An Alaskan Pine Marten skull with smoky Quartz crystal points that will be listed with the rest of them, soon. Shop: http://www.etsy.com/shop/DeadHappy #ooak #wip #bone #handmadejewelry #bonejewelry #jewelry #bonenecklace #accessories #designer #smallbusiness #ooakjewelry #handmade #vultureculture #oddities #etsy #deadhappydesign #deadthings #originalart #skullart #boneart #goth #etsyjewelry #darkart #darkjewelry #toothring #realtoothjewelry #crystaljewelry #itwasdeadwhenwemet #skulls #skulljewelry

[gladiolus-tattoo]

Deadhappy out of context:

I, Sebastian Harry Seaton, would like to be a cartoon banana.