Airlines use advanced UX strategies and dark patterns, such as urgency cues, visual hierarchy, and hidden free options, to nudge travelers toward paying for seat selection, turning it into a $12.4 billion revenue stream.

When facing financial challenges, especially debt, securing your family’s future and ensuring that financial obligations are met can feel like an overwhelming task. One of the smartest financial decisions that can offer peace of mind is opting for a term insurance policy. Unlike other life insurance policy, term insurance is often seen as the best option for people in debt, offering significant benefits at an affordable cost. In this blog, we will explore why term insurance policies are the best choice for those burdened with debt and how they can provide crucial financial protection for loved ones.

Understanding Term Insurance Policies

Before diving into why term insurance is particularly beneficial for people in debt, let’s first understand what it is. A term insurance policy is a type of life insurance that provides coverage for a specific period or “term,” typically ranging from 10 to 30 years. If the insured person passes away during the term, their beneficiaries receive the sum assured (death benefit). Term insurance is the most straightforward type of life insurance, with affordable premiums, and it provides high coverage at low cost, making it an ideal choice for many.

There are several types of life insurance policies available, including endowment plans, unit-linked insurance plans (ULIPs), and whole life insurance. However, when it comes to debt management and financial security, term insurance stands out because of its affordability, simplicity, and straightforward benefits.

How Term Insurance Helps People in Debt

1. Financial Protection for Family and Dependents

When you are in debt, your primary concern is often the financial well-being of your loved ones. A term insurance policy ensures that your family doesn’t bear the financial burden of your outstanding debts in the event of your untimely death. Whether it’s a mortgage, personal loans, or any other liabilities, term insurance provides a safety net by paying off these debts, preventing your family from inheriting them.

The life insurance plans with term coverage are designed to replace lost income, cover existing debts, and give your loved ones a stable financial future, without the worry of creditors coming after them.

2. Affordable Premiums for Maximum Coverage

One of the primary reasons people in debt should consider term insurance is its affordability. Since term insurance only provides death benefits and doesn’t include investment components like other types of life insurance (such as whole life or ULIPs), the premiums are generally much lower. This makes it a highly cost-effective way to secure your family’s future while balancing existing debt.

If you’re struggling with paying high premiums for other types of life insurance plans, switching to a term insurance policy can free up resources to pay down your debt while still ensuring that your family has adequate protection.

3. Simple and Easy to Understand

When it comes to managing debt, simplicity is key. Term insurance policies are easy to understand compared to other life insurance options that often have complicated clauses and investment elements. With term insurance, you pay a fixed premium over the policy term, and if you pass away during this time, your beneficiaries receive the sum assured. There are no surprises, no hidden fees, and no complex terms to navigate. For someone already struggling with debt, the simplicity of a term insurance policy is a big relief.

4. Customizable Coverage for Your Debt Needs

People in debt often have different financial obligations, which can vary widely. Whether it’s a home loan, car loan, or personal loan, term insurance can be tailored to cover the exact amount of your debt. You can choose a life insurance plan with a sum assured that matches your debt obligations, ensuring that your loved ones will have enough financial support to clear the loans after your death.

Some term insurance policies also allow policyholders to increase coverage during the policy term, providing additional protection in case your debts grow over time. This level of customization makes term insurance a flexible option for debt management.

5. Guaranteed Financial Security

In a world full of uncertainties, term insurance provides guaranteed financial security for your family. Unlike other types of life insurance, where the returns or benefits may fluctuate based on market conditions or other factors, term insurance offers a fixed sum assured in case of death. This ensures that your family will receive the promised amount, regardless of economic changes or investment performance. For someone in debt, having a guaranteed payout can make all the difference in protecting their family’s financial future.

6. Tax Benefits for Policyholders

In addition to the basic benefits of a term insurance policy, policyholders can also enjoy tax deductions. Under Section 80C of the Income Tax Act, the premiums paid for life insurance plans are eligible for tax deductions up to ?1.5 lakh annually. This tax-saving benefit can be especially helpful for individuals trying to balance their debt and manage their finances. Additionally, the death benefit received by the beneficiary is tax-free under Section 10(10D), providing further financial relief.

Why Choose Term Insurance Over Other Life Insurance Plans?

When it comes to people in debt, term insurance plans are the most suitable option due to their affordability, simplicity, and tailored coverage. Other types of life insurance, such as whole life or endowment policies, often come with higher premiums and involve long-term commitments, which may not be ideal for someone facing financial stress. Additionally, these policies typically combine life coverage with an investment component, which may not align with the immediate need for debt protection.

Term insurance, on the other hand, focuses purely on providing a death benefit, which is ideal for people looking for a cost-effective way to secure their financial future while paying off existing liabilities.

Conclusion

For people in debt, a term insurance policy offers the right balance of affordability, coverage, and peace of mind. It ensures that your family doesn’t bear the burden of your outstanding debts and offers financial stability during difficult times. By choosing the right life insurance plans and calculating the appropriate sum assured, you can safeguard your loved ones’ future without overburdening your finances today. Always consider your specific debt obligations, financial goals, and risk appetite before making a decision, and use a life insurance calculator to determine the most suitable coverage for your needs.

By opting for a term insurance policy, you take a proactive step in securing your family’s financial security while keeping your debt situation in check.

Featured image by Jakub ?erdzicki on Unsplash

The post Why Term Insurance Policies Are the Best Choice for People in Debt appeared first on noupe.

Many design leaders find themselves in an impossible situation. On one side, senior management have read articles trumpeting the incredible ROI of user experience design. McKinsey tells us that design-led companies achieve 56% higher returns to shareholders. Forrester reports that every dollar invested in UX brings 100 dollars in return.

Yet the reality I encounter when talking to design leaders is very different. Most are desperately under-resourced, with tiny teams expected to support hundreds of projects across their organizations. The result? We’re spread so thin that we can barely scratch the surface of what needs doing.

The problem isn’t just about resources. It’s about expectations and how we define our role. Too often, we position ourselves (or are positioned by others) as implementors — the people who do the user research, create the prototypes, and run the usability tests. But with the scale of digital touching every corner of our organizations, that’s simply not sustainable.

Time For A New Approach

We need to stop trying to do everything ourselves and instead focus on empowering others across the organization to improve the user experience. In other words, we need to become true leaders rather than just practitioners.

This isn’t about giving up control or lowering standards. It’s about maximizing our impact by working through others. Think about it: would you rather be directly involved in 10% of projects or have some influence over 90% of them?

What Does This Look Like In Practice?

First, we need to shift our mindset from doing to enabling. This means:

• Offering targeted services rather than trying to be involved in everything;
• Providing coaching and mentoring to help others understand UX principles;
• Creating resources that empower others to make better UX decisions;
• Setting standards and guidelines that can scale across the organization.

Let’s break down each of these areas.

Targeted Services

Instead of trying to be involved in every project, focus on providing specific, high-value services that can make the biggest impact. This might include:

• Running discovery phases for major initiatives
  By strategically initiating discovery phases for critical projects, you ensure that they start with a strong, user-focused foundation. This can involve tools like the Strategic User-Driven Project Assessment (SUPA), which helps validate ideas by assessing audience value, user needs, feasibility, and risks before committing to major investments. SUPA ensures projects are not just built right but are the right ones to build.
• Project-Specific UX Guidance
  Regular feedback on design assets throughout a project keeps UX principles front and center. This can be achieved by offering UX audits, periodic check-ins to assess progress, or design reviews at key milestones.
• Facilitating workshops and problem-solving sessions
  Leading targeted workshops or brainstorming sessions empowers teams to overcome design challenges on their own with your guidance. These tailored sessions help teams understand how to make better user-centered decisions and solve issues themselves, spreading UX capabilities beyond your team.

The key is to be strategic about where you spend your time, focusing on activities that will have the greatest ripple effect across the organization.

Coaching And Mentoring

One of the most effective ways to scale your impact is through coaching. This could include:

• UX Office Hours
  Designate times where anyone in the organization can drop in to get quick UX advice. This informal setting can solve small issues before they snowball and helps stakeholders learn as they go.
• One-on-One or Group Coaching
  Scheduled check-ins with individuals or teams are great opportunities to address challenges directly, mentor those who need extra support, and ensure alignment with best practices. Regular 1:1 or group coaching keeps UX priorities on track and provides valuable guidance when and where it’s needed most.
• Tailored Problem-Solving Sessions
  Providing bespoke guidance for specific challenges that teams encounter empowers them to tackle design obstacles while internalizing the principles of good UX. These problem-solving sessions can be invaluable in ensuring teams can autonomously address future problems.

The goal isn’t to turn everyone into UX experts but to help them understand enough to make better decisions in their daily work.

It’s also important to recognize that others might not initially deliver work at the same level of quality that you would. This is okay. The primary goal is to get people engaged and excited about UX. If we criticize them every time they fall short of perfection, we risk undermining their enthusiasm. Instead, we need to foster a supportive environment where improvement happens over time.

Creating Resources

Develop tools and resources that help others apply UX principles independently. For example:

• Design Systems
  Create and maintain a comprehensive design system that integrates UX best practices into the UI across the organization. A well-crafted design system ensures that everyone, from developers to designers, aligns on consistent best practices, making it easier for teams to work independently while still maintaining high standards. This includes reusable code components, clear documentation, and alignment between design and development.
• UX Tool Suite
  Providing teams with pre-selected tools for user research, prototyping, and user testing helps maintain quality and saves time. With tools for everything from user research to usability testing, you provide the resources teams need to conduct UX activities on their own without extensive onboarding.
• Research Repository
  Maintain a centralized repository of user research findings that can be accessed by anyone across the organization. A well-organized research repository can reduce duplication of effort, provide insights across different initiatives, and allow teams to learn from each other’s findings. This promotes consistent application of user insights across projects.
• Supplier Lists
  Providing a vetted list of suppliers and external agencies helps ensure consistency when work is outsourced. It provides quick access to high-quality resources, mitigates risk, and builds trust with suppliers who understand your standards.
• Self-Service Training Resources
  Create a library of on-demand training materials that teams can access when needed. This should include video tutorials, interactive exercises, case studies, and step-by-step guides for common UX tasks like conducting user interviews, creating personas, or running usability tests. Unlike scheduled workshops, self-paced learning allows people to access knowledge exactly when they need it, leading to better retention and practical application.

These resources should be practical and accessible, making it easy for teams to do the right thing.

Setting Standards

Create a framework that guides UX decisions across the organization:

• Design Principles
  Establish core design principles that align with your organization’s values and user-centered goals. These principles help ensure consistency and clarity in decision-making. For example, define around six to ten principles that stakeholders across the organization have voted on and agreed upon, ensuring broader buy-in and consistent decision-making.
• Policies for UX
  Develop clear policies that standardize processes like work requests, user research and testing, and stakeholder involvement. These policies help set expectations, keep efforts aligned with organizational goals, and make it easier for non-UX professionals to understand and comply with best practices.
• Project Prioritization Policies
  Having clear guidelines on how projects are prioritized ensures that UX gets the attention it needs in the planning stages, preventing it from being overlooked or marginalized. Establish policies that align project value to user needs and organizational priorities.

The key is to make these standards helpful rather than bureaucratic — they should enable better work, not create unnecessary obstacles.

Bringing It All Together

All of these elements should come together in what I call a UX Playbook — a single source of truth that contains everything teams need to deliver better user experiences. This isn’t just another document to gather dust; it’s a living resource that demonstrates your value as a leader and helps others get started on their UX journey.

The shift from practitioner to leader isn’t easy. It requires letting go of some control and trusting others to carry forward UX principles. But it’s the only way to create lasting change at scale.

If you’re struggling with this transition, I am running a workshop on design leadership in February. I would love to discuss your situation there.

Matt Mullenweg’s clash with WP Engine highlights the tension between open-source ideals and centralized control within WordPress, which powers 40% of the internet. The controversy raises critical questions about who holds the reins in shaping the web’s future.

Tooltips are like homemade food: everyone uses them and everyone has their own recipe to make them. If you don’t remember a particular recipe, you will search for one, follow it, and go on with your day. This “many ways to do the same thing” concept is general to web development and programming (and life!), but it’s something that especially rings true with tooltips. There isn’t a specialized way to make them — and at this point, it isn’t needed — so people come up with different ways to fill those gaps.

Today, I want to focus on just one step of the recipe, which due to lack of a better name, I’ll just call the little triangle in the tooltip. It’s one of those things that receives minimal attention (admittedly, I didn’t know much before writing this) but it amazes you how many ways there are to make them. Let’s start with the simplest and make our way up to the not-so-simple.

Ideally, the tooltip is just one element. We want to avoid polluting our markup just for that little triangle:

<span class="tooltip">I am a tooltip</span>

Clever border

Before running, we have to learn to walk. And before connecting that little triangle we have to learn to make a triangle. Maybe the most widespread recipe for a triangle is the border trick, one that can be found in Stack Overflow issues from 2010 or even here by Chris in 2016.

In a nutshell, borders meet each other at 45° angles, so if an element has a border but no width and height, the borders will make four perfect triangles. What’s left is to set three border colors to transparent and only one triangle will show! You can find an animated version on this CodePen by Chris Coyier

Usually, our little triangle will be a pseudo-element of the tooltip, so we need to set its dimensions to 0px (which is something ::before and ::after already do) and only set one of the borders to a solid color. We can control the size of the triangle base by making the other borders wider, and the height by making the visible border larger.

.tooltip {
  &::before {
    content: "";

    border-width: var(--triangle-base);
    border-style: solid;
    border-color: transparent;

    border-top: var(--triangle-height) solid red;
  }
}

Attaching the triangle to its tooltip is an art in itself, so I am going with the basics and setting the little triangle’s position to absolute and the .tooltip to relative, then playing with its inset properties to place it where we want. The only thing to notice is that we will have to translate the little triangle to account for its width, -50% if we are setting its position with the left property, and 50% if we are using right.

.tooltip {
  position: relative;

  &::before {
    /* ... */
    position: absolute;
    top: var(--triangle-top);
    left: var(--triangle-left);

    transform: translateX(-50%);
  }
}

However, we could even use the new Anchor Positioning properties for the task. Whichever method you choose, we should now have that little triangle attached to the tooltip:

Rotated square

One drawback from that last example is that we are blocking the border property so that if we need it for something else, we are out of luck. However, there is another old-school method to make that little triangle: we rotate a square by 45° degrees and hide half of it behind the tooltip’s body. This way, only the corner shows in the shape of a triangle. We can make the square out of a pseudo-element:

.tooltip {
  &::before {
    content: "";

    display: block;
    height: var(--triangle-size);
    width: var(--triangle-size);

    background-color: red;
  }
}

Then, position it behind the tooltip’s body. In this case, such that only one-half shows. Since the square is rotated, the transformation will be on both axes.

.tooltip {
  position: relative;

  &::before {
    /* ... */
    position: absolute;
    top: 75%;
    left: 50%;
    z-index: -1; /* So it's behind the tooltip's body */

    transform: translateX(-50%);
    transform: rotate(45deg) translateY(25%) translateX(-50%);
  }
}

I also found that this method works better with Anchor Positioning since we don’t have to change the little triangle’s styles whenever we move it around. Unlike the border method, in which the visible border changes depending on the direction.

Trimming the square with clip-path

Although I didn’t mention it before, you may have noticed some problems with that last approach. First off, it isn’t exactly a triangle, so it isn’t the most bulletproof take; if the tooltip is too short, the square could sneak out on the top, and moving the false triangle to the sides reveals its true square nature. We can solve both issues using the clip-path property.

The clip-path property allows us to select a region of an element to display while clipping the rest. It works by providing the path we want to trim through, and since we want a triangle out of a square, we can use the polygon() function. It takes points in the element and trims through them in straight lines. The points can be written as percentages from the origin (i.e., top-left corner), and in this case, we want to trim through three points 0% 0% (top-left corner), 100% 0% (top-right corner) and 50% 100% (bottom-center point).

So, the clip-path value would be the polygon() function with those three points in a comma-separated list:

.tooltip {
  &::before {
    content: "";

    width: var(--triangle-base);
    height: var(--triangle-height);

    clip-path: polygon(0% 0%, 100% 0%, 50% 100%);
    transform: translate(-50%);

    background-color: red;
  }
}

This time, we will set the top and left properties using CSS variables, which will come in handy later.

.tooltip {
  position: relative;

  &::before {
    /* ... */
    position: absolute;
    top: var(--triangle-top); /* 100% */
    left: var(--triangle-left); /* 50% */

    transform: translate(-50%);
  }
}

And now we should have a true little triangle attached to the tooltip:

However, if we take the little triangle to the far end of any side, we can still see how it slips out of the tooltip’s body. Luckily, the clip-path property gives us better control of the triangle’s shape. In this case, we can change the points the trim goes through depending on the horizontal position of the little triangle. For the top-left corner, we want its horizontal value to approach 50% when the tooltip’s position approaches 0%, while the top-right corner should approach 50% when the tooltip position approaches 100%.

The following min() + max() combo does exactly that:

.tooltip {
  clip-path: polygon(
    max(50% - var(--triangle-left), 0%) 0,
    min(150% - var(--triangle-left), 100%) 0%,
    50% 100%
  );
}

The calc() function isn’t necessary inside math functions like min() and max().

Try to move the tooltip around and see how its shape changes depending on where it is on the horizontal axis:

Using the border-image property

It may look like our last little triangle is the ultimate triangle. However, imagine a situation where you have already used both pseudo-elements and can’t spare one for the little triangle, or simply put, you want a more elegant way of doing it without any pseudo-elements. The task may seem impossible, but we can use two properties for the job: the already-seen clip-path and the border-image property.

Using the clip-path property, we could trim the shape of a tooltip — with the little triangle included! — directly out of the element. The problem is that the element’s background isn’t big enough to account for the little triangle. However, we can use the border-image property to make an overgrown background. The syntax is a bit complex, so I recommend reading this full dive into border-image by Temani Afif. In short, it allows us to use an image or CSS gradient as the border of an element. In this case, we are making a border as wide as the triangle height and with a solid color.

.tooltip {
  border-image: fill 0 // var(--triangle-height) conic-gradient(red 0 0);;
}

The trim this time will be a little more complex, since we will also trim the little triangle, so more points are needed. Exactly, the following seven points:

This translates to the following clip-path value:

.tooltip {
  /* ... */
  clip-path: polygon(
    0% 100%,
    0% 0%,
    100% 0%,
    100% 100%,
    calc(50% + var(--triangle-base) / 2) 100%,
    50% calc(100% + var(--triangle-height)),
    calc(50% - var(--triangle-base) / 2) 100%
  );
}

We can turn it smart by also capping the little triangle bottom point whenever it gets past any side of the tooltip:

.tooltip {
  /* ... */
  clip-path: polygon(
    0% 100%,
    0% 0%,
    100% 0%,
    100% 100%,
    min(var(--triangle-left) + var(--triangle-base) / 2, 100%) 100%,
    var(--triangle-left) calc(100% + var(--triangle-height)),
    max(var(--triangle-left) - var(--triangle-base) / 2, 0%) 100%
  ;
}

And now we have our final little triangle of the tooltip, one that is part of the main body and only uses one element!

More information

• The Complex But Awesome CSS border-image Property (Temani Afif)
• Transforming Borders into Cool CSS Triangles (Optimistic Web)

Related tricks!

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The Little Triangle in the Tooltip originally published on CSS-Tricks, which is part of the DigitalOcean family. You should get the newsletter.