Reliance Nippon Life Insurance Sends a Nominee on a Wild Chase
A life insurance policy is bought on the simple premise that if the policyholder dies suddenly, his/her legal heirs or nominees will get the policy proceeds. Since the policyholder is, usually, the family’s bread-earner or significant contributor, the proceeds help the family deal with the financial consequences arising from the unfortunate death of the policyholder. 
 
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TINA.org Files Complaint against Diageo Regarding Its Ciroc Influencers
The rise of Ciroc from a middling vodka brand to No. 2 in the premium vodka category in the U.S. can be tied in large part to one man: Sean “Diddy” Combs.
 
Before the hip hop mogul signed a marketing deal with the Diageo-owned brand in late 2007, the British-based liquor giant was barely moving 40,000 cases of Ciroc a year, as Diddy would later recall in a 2015 interview with The Washington Post.
 
“They said they weren’t doing much, and that it was struggling,” Diddy told the paper in regard to discussions with Diageo involving Ciroc. “So I decided to take a chance on the brand. We decided if it does well, we can be 50-50 partners.”
 
It did very well. Within about 14 months, Diddy said, “we went from selling 40,000 cases to a million cases.” Under the direction of Diddy and later, his company Combs Enterprises, sales of the vodka soared, reaching a peak in both 2014 and 2015 of 2.6 million cases sold. Sales of Ciroc have fallen a bit in recent years but still stand at 2 million cases a year. Considering that Diddy’s marketing deal earns him 50 percent of the profits, it’s safe to say he has no regrets.
 
Diddy continues to embrace a “Ciroc-and-awe” approach to branding, to borrow a term coined by Forbes. But he’s come a long way since he donned a mask of the 44th president and debuted “Ciroc Obama” in a “Diddy Blog” on YouTube in 2008. Today, Diddy has an army of hip hop artists, DJs, models, actors and actresses, reality TV stars, and other influencers helping him promote Ciroc vodka and brandy on social media – especially on Instagram. And Diageo, now one of the world’s largest producers of spirits, appears willing to let the marketing antics of these individuals go unchecked on the platform.
 
A TINA.org investigation has amassed more than 1,700 Instagram posts from 50 different Ciroc influencers that have failed to clearly and conspicuously reveal their material connection to the alcohol brand in violation of FTC law. More than a third of these posts come from Diddy, while others come from Ciroc influencers “hand-selected” by Diddy. Included in this group is “Guardians of the Galaxy” actress Mikaela Hoover, who posted the following Ciroc ad on Instagram earlier this year.
 
 
The FTC is clear in its endorsement guidelines that if someone has a material connection with a company — for example, a business or family relationship, a monetary payment, or the gift of a free product — they must disclose that connection since it could affect a consumer’s opinion about the product. For space-cramped platforms such as Instagram, the guidelines state that starting a post with AD: or #ad would likely be effective. (In regard to the placement of #cirocpartner in the post above, the FTC has said that placing a disclosure so far down in the caption of an Instagram post — in this case, on the sixth line — is easy to miss and unlikely to cut it. In fact, the disclosure does not even appear when viewed on the Instagram app without clicking “more.”) It is the responsibility of the marketer and the brand to advise influencers of their disclosure responsibilities and monitor their endorsements to ensure appropriate disclosures are made — a responsibility that Diageo has clearly shirked… Continue Reading… 
 
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Survey: Only 12% of airline passengers open to additional fees for web check-ins
Recently, India’s largest domestic airline Indigo had announced that to avail the service of web check-ins and book specific seats in advance, passengers would now be charged extra. Indigo’s large market share in India means that other airlines operating in India would soon follow suit. However, this decision did not go down well with flyers and they expressed their displeasure on social media platforms.
 
Since then, Indigo has further clarified that there will not be a charge for all seats during web check-ins. They have said that passengers who have no particular preference for seats and do not wish to pay for advance seat selection can either reserve any available free seat at the time of web check-in or at the airport check-in counter. The pricing for preferred seat booking of Indigo flights, start as low as Rs100 and go as high as Rs800. These are charges that are over and above the price of ticket. Not surprisingly, flyers were upset and to investigate this matter further LocalCircles a community social media platform conducted a short survey. 
 
The survey received around 23,000 responses in total. Those surveyed were initially asked how they would go about booking seats on a flight now that Indigo is planning to make it chargeable. The results indicated that only 12% would be willing to pay to book preferred seats in advance, while 24% would go to the airport early to acquire a seat of their choice. 
 
A large portion of those surveyed (41%) would continue to go to the airport as usual and take whatever is available. This indicates that while a large portion of passengers are either unaware of a web check-in process and its advantages or are unaffected by the policy change as they do not use the facility. 
 
 
The survey further asked what percentage of economy seats in an airplane should fall under the chargeable seat assignment category. The results indicated that 51% of the users believe that at least half of the economy seats on an airplane operated by a low cost private airline, should not be permitted in the chargeable seat assignment category. In other words, half of the seats on a airline should be available at for pre-booking during the web check-in process, at no additional cost to the passenger.
 
 
The third question asked in the survey was whether VIPs get the seats they prefer on airplanes. The reasoning behind this question being that VIPs and celebrities are bound to receive preferential treatment due to their status. The results indicate that 78% of those surveyed get their seats without additional payment while only 6% actually pay the additional fee. These results should not be surprising for the average Indian who is well aware of the rewards a celebrity-like status can provide. 
 
 
Indigo has claimed that charging to book preferred seats is a common practice among airlines across the globe. However, if this survey is to be believed, Indians are still not open to the idea. People usually go for web check-ins to avoid long queues at the airport and for the convenience it provides. If this is now going to be charged, most Indians would prefer to not use it. Perhaps longer queues are going to be a common sight at the airport in the future.  
 
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