MAM
Amazon introduces Amazon Associates Program in India
BENGALURU: Amazon.in today unveiled the Amazon Associates program (AAP) in India. AAP is a marketing program that lets online publishers of all sizes effectively monetise their content by advertising contextually relevant products and referring visitors to Amazon.in.
Publishers can select from over 17 million books, tens of thousands of DVDs and Audio CDs, thousands of genuine items in consumer electronics, and the entire Kindle range of devices. Amazon says that AAP is free to join and is an easy and effective way to improve experience for visitors and make money at the same time.
Amazon Associates provides a cost-per-action advertising model where any associate ranging from large and small businesses to bloggers, authors, nonprofits, personal home pages and more, can easily create a link to a contextually relevant product from the Amazon.in catalog.
Associates earn a percentage-based referral fee when customers click through and make a purchase on Amazon.in. The commission extends to all products the visitor buys and not just the specific product that was advertised.
As part of an introductory offer, Amazon is launching AAP with commission rates ranging from five per cent for consumer electronics to 10 per cent in all other categories, including books, movies and all Kindle devices.
Explaining the benefits, Amazon India VP and country manager Amit Agarwal said, “Millions of online websites, small and big, around the world showcase relevant Amazon products and earn high commissions. It is a win-win proposition, your visitors see contextually relevant products and you have a new source of income. Associates in India will have access to the same tools and the trustworthy tracking and reporting that millions of associates worldwide have enjoyed over the last 17 years.”
Website owners who sign on for the Associates program also get access to Associates Central, a dedicated Associates portal where associates have the option to build links, view traffic and earnings reports, and read about the latest news and opportunities available through the program.
“We are happy to partner with Amazon via Amazon Associates program” said Quickr CEO Pranay Chulet, “India‘s leading on line platform to buy and sell goods. “We are seeing good results, and are pleased with the program‘s transparency on payments and reporting. We look forward to further deepening our relationship in the days to come.”
Associates Central also offers access to a library of convenient and effective widgets, linking tools including text links and rich banners that make this very easy to use for individual and small publishers. Associates also have access to the ‘Associates Site Stripe‘ – the quickest and easiest way to link to any page on Amazon. The Site Stripe lets signed in Associates build links as they browse the Amazon.in website.
Associates with development resources can also use the Product Advertising API and XML data feeds to seamlessly integrate Amazon‘s rich catalog with their content.
If you are actively investing to grow your money month after month, you already understand the value of planning ahead. SIPs, long-term portfolios, retirement planning and goal-based investing all point to one thing. You are building a future with intent.
What often gets missed in this process is one foundational question. How well is the income that funds all these plans protected?
Term life insurance fits naturally into this stage of financial planning. It does not compete with investments. It supports them by protecting the income that makes long-term growth possible.
Why Income Protection Is a Core Part of Financial Planning
Every financial plan begins with income. Before money is invested or saved, it is earned.
Over time, this income is allocated across multiple needs:
● monthly household expenses
● EMIs and long-term loans
● savings and emergency funds
● investments aimed at future goals
As responsibilities increase, financial planning becomes layered. Each layer assumes income continuity. Term life insurance exists to ensure that this structure does not become fragile due to overdependence on a single income source.
It adds stability to plans already in motion rather than introducing a new objective.
What does term life insurance do?
Term life insurance provides a fixed payout to your nominee if you pass away during the policy term. The purpose of this payout is practical and clearly defined.
It is intended to:
● replace lost income for a defined period
● help manage outstanding liabilities
● support ongoing household and goal-based expenses
There is no investment or savings component. This keeps the product focused and cost-efficient, allowing individuals to opt for meaningful coverage without diverting funds meant for growth-oriented investments.
Why Term Life Insurance Complements Investing?
Investments and insurance play different roles in a financial plan.
Investments are designed to:
● grow wealth over time
● compound with consistency
● be adjusted as goals and risk appetite change
Term life insurance is designed to:
● provide financial continuity
● protect existing plans from disruption
● remain stable once put in place
Keeping these roles separate improves clarity. Investments are allowed to perform without being forced to double up as protection, while insurance quietly supports the overall structure.
Who Should Consider Term Life Insurance?
Term life insurance becomes relevant when financial planning extends beyond individual needs. This typically includes:
a) Working professionals
When income supports shared expenses or long-term plans, protection becomes essential.
b) Individuals with long-term liabilities
Home loans, education loans and other EMIs often extend over decades. Term insurance ensures these obligations remain manageable.
c) Parents planning future milestones
Education, healthcare and lifestyle goals require continuity over many years.
d) Early planners with rising incomes
Starting earlier allows coverage to align smoothly with career progression and evolving responsibilities.
How Much Coverage Should Be Considered?
Coverage should be guided by financial reality rather than affordability alone.
A well-rounded evaluation typically considers:
● number of years income needs to be replaced
● existing and future liabilities
● long-term goals already planned
● inflation and rising living costs
Many insurance companies offer options starting from 50 lakhs, 1 crore term insurance and higher. It allows individuals to choose coverage based on their income, liabilities and future plans.
How Term Life Insurance Fits Into a Long-Term Plan
Once set up, term life insurance does not demand frequent attention.
It does not require active monitoring, market tracking or performance reviews. Its role is structural rather than dynamic.
By ensuring financial continuity, it allows families to:
● stay aligned with long-term plans
● avoid rushed financial decisions
● focus on execution rather than damage control
When aligned correctly, term insurance strengthens the foundation on which investments, savings and retirement plans are built.
Choose the Right Insurance Partner
Once the need, coverage amount and role of term life insurance are clear, the final and most important step is choosing the right partner.
This decision should be based on:
● clarity and transparency in policy terms
● a strong claim settlement track record
● consistency in servicing and communication
● the ability to support long-term financial planning rather than just selling a product
Term life insurance is a long-term commitment. The partner you choose today will be the one your family relies on years down the line.
When protection is aligned with purpose and backed by a dependable insurer, term life insurance becomes a quiet but powerful part of a well-built financial plan.
