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Surrogate liquor advertising: Time for change?

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MUMBAI: Remember the famous ‘‘Oh la la la la…Le O’’ jingle by Kingfisher for its calendar, the “No.1 Yaari” catchphrase by McDowell’s for its club soda or the “Men will be men,” a 19-year old prominent tagline for Seagram’s Imperial Blue CDs?

What do all of these brands have in common? A lot, and nothing!

While all these brands are prominently into selling liquor and spirits, they position and market themselves for the products/services that contribute insignificantly to their sales.

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And, why is that you ask?

Well, since there is a ban on advertising alcohol, tobacco and cigarettes in India, liquor companies leverage the power of surrogate advertising to convey their brand identity/message.

First things first! Let’s understand surrogate advertising to begin with and its prominence in the Indian advertising industry. Surrogate advertising is a form of advertising which is used to promote banned products, such as cigarettes and alcohol, in the guise of another product.

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India has held a strong stance on the ban of advertising tobacco and liquor products on all media platforms since 1995. The ban was enforced after extensive research from the Indian ministry of health found that cigarettes and liquor have adverse effect on a person’s health.

However, the increase in population saw the sales of tobacco and liquor increase at an exponential rate. Therefore, companies were forced to seek alternative means of advertising, which lead to the eventual creation of surrogate advertising in India, and that is why we see major liquor brands promoting and advertising themselves for their club sodas, mineral water, CDs or playing cards to hammer the brand name into the heads of consumers.

public://63yqljiy.jpgBagpiper was one of the earliest brands that took to surrogate advertising. The brand introduced the slogan of “Khoob jamega rang jab mil bhaitenge teen yaar. Aap, main aur Bagpiper” in 1993 and got the-then famous Bollywood celebrities such as Dharmendra, Jackie Shroff and others to feature in its ‘soda’ campaigns.

Today, India is the third largest liquor market in the world, with an overall retail market size of US$ 35 billion per annum. The annual consumption rate has been increasing steadily over the past six years, and stands at 8.9 per cent as of 2017.

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But how has the marketing and advertising evolved for such brands with time?

Earlier, marketing for these brands involved largely print and television where they communicated a lifestyle and an attitude but consumers today have multiple personalities, and are more evolved, resulting in brands using digital and social media platforms in a big way to communicate and be in tune with the audience.

 “Today, it’s the age of everyday heroes rather than mega celebrities and alcoholic brands and tobacco brands are increasingly leveraging this trend,” says WATConsult AVP – strategy and account planning Sabiha Khan. “Additionally, sponsorship of events was used earlier to reach the mass audience, but now brands are directing energies towards acquiring audiences via targeted messages online.”

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United Breweries Limited (UBL), which manufactures India’s most loved Kingfisher beer, controls 60 per cent of the total manufacturing capacity for beer in India and is the market leader with the national market share in excess of 50 per cent; which explains the company’s major investments and association with various events, sports and other entities.

Marketing head Samar Singh Sheikhawat affirms that the marketing spends in the industry for spirits and beer have gone up because all players are leveraging major platforms to connect with the consumer but television still works best since it creates a better chance of brand visibility and salience. UBL gets its biggest revenue from sponsorships and associations with various events and gigs and spends typically about six to seven per cent of its net revenues on marketing in a year.

While surrogate advertising may work for leading brands that have been in the Indian market for years and have big bucks to spend on advertising, sponsoring events, fashion tours and sports, it is the new entrants and smaller players who run the risk of missing out on brand communication and visibility.

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“It is a challenge for the new entrants and the agencies because, as a new brand, they first have to create brand awareness, inform about the product details, flavour, taste and brand ethos and spirit which they want to convey to the consumers. A new player will not be able to communicate well with surrogate and takes years to build the brand image — first through word of mouth promotion,” adds iProspect India branch head – south Krishna Kumar Revanur.

Surrogacy has come around in a big way to support promotion of liquor brands but it has its own diluted drawback. You would not want to market something as prominent as Blender’s Pride just for its fashion tour or Royal Challenge as merely bottled water. The core challenge for agencies while creating a campaign for such brands lies in not damaging the brand image and managing to promote it to the right audience.

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Dentsu Webchutney creative strategist — general management Pranav Sabhaney notes, “No creative person ever wants to be told that this is the boundary that you have to work around but it is an interesting challenge for the creatives as they know they have to work with restrictions yet find the best communication possible. The constraint might irritate creatives at some point as spirits is an interesting sector to work on but they don’t have an opportunity to do anything.”

Giving a brand’s point of view, Sheikhawat adds, “It is complex and challenging since we are not allowed to display the product, mention the word liquor or beer or show consumption in the campaign, and that is the reason why agencies that work on such products have been agencies that work with those brands for the last 20-25 years. It’s a very complex, hard task and takes a lot of money to build brand imagery in India as opposed to the other parts of the world.”

Is there a need for the rules to be more accommodating and liberal so that brands can promote and advertise the products in a better way?

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With an opinion that adults should be given the freedom to be adults and to make their own choices, Publicis Worldwide managing director and chief creative officer Bobby Pawar says: “The fake rules and regulations by the government for the liquor industry are not great, and while I do understand that when you advertise these products freely, underage people will get to see it but the government needs to find a way around it. It is sheer hypocrisy of the government which states that you can sell liquor and build your brand but you can’t advertise it.”

Adding on to Pawar’s point, Krishna Kumar mentions: “If the government allows the product to be sold in the country but not advertise it, that means the government is following dual standards.

United Breweries spends 20 per cent of its marketing budget on television and a mere 10 per cent on digital but that is changing, and the company now has a separate team assigned for digital along with a separate digital agency on board. The company leverages all social media and digital platforms while also creating user-generated content. “The audience today is not interested in brand advertising or brand stories but are only interested in stories that suit their line of thinking, and are looking for content and narratives that involve them,” concludes Sheikhawat.

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Whether the ban on displaying alcoholic products will ever be lifted or not is a story for another day but brands and agencies do know how to work around the restrictions and create some of the most memorable ads that click with the audience right away.

McDowell’s No.1 soda TVC:

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MAM

Term Life Insurance Explained: Who Needs It and Why It Matters

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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.

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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:

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● 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.

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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:

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● 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?

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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

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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.

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Who Should Consider Term Life Insurance?

Term life insurance becomes relevant when financial planning extends beyond individual needs. This typically includes:

a) Working professionals

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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.

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c) Parents planning future milestones

Education, healthcare and lifestyle goals require continuity over many years.

d) Early planners with rising incomes

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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.

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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.

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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.

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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.

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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:

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● 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.

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