Marketing virtual assistant jobs

I'm seeking a marketing guru who can use their expertise to transform the descriptions of my jewelry products, with the aim of boosting sales on online marketplaces like Etsy and Amazon. Key requirements: - Proficient in English: You must have a strong command of the English language and be able to communicate effectively. - Marketing Skills: You should be skilled in the art of persuasive writing, able to create compelling product descriptions that entice buyers. - E-commerce Experience: Previous experience in e-commerce or online marketplace selling would be a huge plus. - Understanding of Jewelry: While not mandatory, a familiarity with jewelry products and the industry would be beneficial. Your main goal will be to enhance the existing descriptions to make them more...

I'm looking for a professional to take charge of our daily email marketing campaigns. This project involves sending bulk emails for marketing purposes, with a focus on custom design. Key Responsibilities: - Plan and execute daily email campaigns - Develop custom email templates - Ensure high deliverability rates - Monitor and analyze campaign performance I need someone with a solid background in email marketing, automation tools, and a keen eye for design. Familiarity with the following tools is a plus: - Mailchimp - Constant Contact - Drip - HubSpot The ideal candidate should have proven experience in handling large-scale email marketing campaigns and be well-versed in email deliverability best practices. Your design skills will be crucial in creating ...

Hello world Of computing did by Yuri yourself.?. We and my assistant namedpeople need Exchange widgets stuffs, from computer and payment methods like ebay.com.

I'm looking for a talented designer to create a suite of classic and elegant marketing materials for my real estate and mortgage company. Ideally, you'll have experience in creating flyers, postcards, brochures, digital market updates, newsletters, among others, for companies in this sector. The main elements you would need to incorporate into your designs are: - An elegant and classic aesthetic - A message promoting the investment opportunities in real estate that we offer Key Skills Required: - Proven experience in creating marketing materials - Familiarity with the real estate and mortgage industries - Ability to weave a narrative through visuals - Excellent attention to detail Our target audience is the general public looking for real estate or mortgage se...

I'm in search of a specialist experienced in formulating a robust marketing strategy for my aviation support company. The principal goal is to focus on airlines as our main target audience. Key areas to tackle include: - Expanding our social media presence - Launching an effective email marketing campaign - Conceiving impactful advertisements Ideally, your expertise should enable us to: - Increase our brand awareness in the aviation sector - Generate significant leads and conversions Ideal skills and experience include: - Experienced in aviation-specific marketing - Proven track record in delivering lead-generating strategies - Expertise in developing and implementing social media and email marketing strategies - Adept at creating compelling advertise...

I'm in need of a virtual assistant who can assist me with job applications. The tasks in this role will primarily focus on job search and application submission. The ideal candidate will be proficient with using the Indeed platform for job searching and application submissions. Key Responsibilities: - Conducting a thorough job search on Indeed based on my resume and job preferences. - Submitting tailored applications to roles that align with my background and skills. The position doesn't require resume or cover letter writing as of now but may involve light editing or tailoring. Skills and Experience: - Prior experience in virtual assistant roles, specifically in job application-related tasks. - Familiarity with the Indeed platform and other job...

I'm seeking a skilled virtual assistant to provide both operational support and business development assistance for my company. Key Tasks: - Data entry and research: Assist in organizing and inputting data into our systems. Research on various topics to support business decisions. - SOP Development: Help in developing procedures, growth plans, and policies. - Competitor Research: Conduct thorough research on our competitors, providing insights for business strategy. Expectations: - I require your support for more than 20 hours per week. - Your primary goal will be to help in improving operational efficiency, ensuring that our processes are streamlined and effective. Ideal Skills: - Excellent organizational and communication skills - Strong analytical capabili...

I'm seeking a creative graphic designer to create visualisation of the Heliport deck on the roof of the building. The real roof is shooted by drone. The heliport for the drone will be build up in real later. This video should include the virtual final stage of the construction. The original video source files are located here Location of the SQUARE heliport with letter "H" in the middle and lgithning is demonstrated in attached photo. The signal light on the heliport should be on the video and blinking.

As a service-focused affiliate marketer, I'm looking for a professional with solid experience in driving sales through affiliate marketing. Key Requirements: - Your primary focus will be on promoting services, not physical or digital products. - I'm particularly interested in your previous projects and relevant experience in the service-oriented affiliate marketing domain. Please include these in your application. Goals & Targets: - Your main responsibility will be to help me drive sales. Your strategies should be geared towards this specific goal. Ideal Skills and Experience: - Proven track record of driving sales through affiliate marketing for services. - Strong understanding of the service industry and its nuances. - Ability to analyze and opti...

...- Proficiency with digital marketing and social media strategies to drive traffic to the campaign Ideal freelancer will be able to: - Strategize and structure the campaign for maximum impact - Create high-quality, engaging multimedia content - Leverage their network and expertise in crowdfunding to drive donations - Implement effective digital marketing tactics to promote the campaign to a diverse audience - Provide guidance on maintaining engagement and momentum throughout the campaign's duration Social Media Organic posting - - Account initial creation, cover page, setup = 3 hours - 8 graphical posts creation, text writing, posting = 8 hours - One video creation, content writing, posting = 4 hours - One GIF creation and Posting = 3 hours Social Media Marketing...

I'm urgently in need of a proficient freelancer who can help with a crucial data entry task. Unfortunately, I skipped some questions, so I'll provide more context. The task is a one-time project, but the data type to be entered is not fixed yet, it could be either numerical data, textual data or a mix of both. This project requires some urgency so a quick turn around will be highly appreciated.

I'm looking for a marketing video that explains my product in a professional and informative way. The target audience is primarily business professionals. Key Requirements: - The video should be engaging and maintain a professional tone throughout. - It should focus on explaining the product's key features and benefits for users. Ideal Skills and Experience: - Previous experience in creating marketing videos, specifically for B2B audiences. - Ability to creatively present technical information in a clear and engaging manner. - Understanding of the best practices for product information videos. something similar to this video :17121514

I'm seeking an individual with a good command of English, as well as a basic understanding of social media and the ability to use Google Drive Sheets and Docs. Familiarity with chat GPT (AI) is a must. - Conduct online research on Facebook and Google - Locate specific products and offers - Gather and summarize overall reviews - Compile and deliver the summaries in Google Sheets Ideal candidates should be detail-oriented, able to work independently, and have excellent communication skills in English. A demonstrated ability to work with data and extract relevant information from reviews is also required.

...range of countries. All contacts will have name, title, email, phone number, geographic location, business name. ANd the information should be verified and up to date. Target: 10k leads. Fixed price. Keywords will be provided in communications. Ideal candidates should have: - Proven experience in lead generation, especially in the dental industry - Strong understanding of online marketing and lead generation tactics - Ability to target and generate leads internationally - Excellent communication skills to effectively follow up and convert leads - A track record of delivering high-quality leads to increase business revenue If you have a successful history of generating leads in the dental field and you can help me tap into the international market, I'd lik...

I'm in need of an experienced email marketing creator to craft 6 distinct email templates for our business. These will serve a variety of purposes and target diverse audience segments. Each email Template needs to be in HTML, I will host the pictures on my FluentCRM. Each Template needs to be created as a master, so I can duplicate and white a new text. Six Template Emails:: - Customer Appreciation Email - Welcome Email - Educational Content Email - Newsletters - Special Offers and Promotions - Re-engagement Emails Bonus: I will pay an extra $40 Tip if you make 2 extra Template emails. - Survey and Feedback Requests - Quote Proposal Email Design Elements: Each email template should have a unique design for Life Water, a Header with our company logo, Call-to-action buttons,...

...bills. Your target audience will comprise mostly 30-65 year old, middle class, employed couples, so your content should be easy to understand yet informative. - development of series of emails and texts that among other topics refers to these articles to send to existing prospective customers Your responsibilities will include: - Writing 5 to 10 original finance-focused articles to include in marketing campaigns to prospects as well as publishing these articles on social media platforms - creation of ~5 to 10 emails and ~5-10 texts to be sent out to prospects to follow-up and often refer to the articles - Ensuring each article is reader-friendly for the average consumer and attention grabbing - organizing the messaging of emails and texts to coordinate follow-up and vary messagi...

...tasks and improving operational efficiency. This will involve working with Azure Active Directory as well as tasks inside Virtual Machines. Key Tasks: - Develop PowerShell scripts to automate repetitive operations within our Azure environment. - Integrate Azure Active Directory with our scripts to streamline user management and permissions. - Automate tasks inside Virtual Machines to improve operational efficiency. Ideal Skills and Experience: - Extensive experience with PowerShell scripting, particularly in an Azure environment. - A deep understanding of Azure Active Directory and working with it programmatically. - Previous experience automating tasks inside Virtual Machines in Azure. The primary goal of this project is to increase our operational efficien...

I'm looking for a professional who can set up 50 virtual desktops on a Windows operating system. These desktops will be used exclusively for remote work purposes. Key Requirements: - Setting up 50 virtual desktops - On Windows OS - Configured for remote work The ideal freelancer for this project should have experience in: - Setting up and configuring virtual desktops - Windows operating system - Remote work infrastructure Please let me know if you have any questions about the project.

...a content writer. This involves creating engaging and informative content for the website. The content should be SEO-friendly, and able to attract and retain visitors. - Finally, I would also like assistance with social media marketing. I am interested in strategies to increase the online presence and visibility of my brand. This would involve creating engaging content, managing social media accounts, and possibly running paid advertising campaigns. Ideal Freelancer: I'm looking for someone who is skilled in web development, content writing and social media marketing. Experience in all three areas is ideal, but a freelancer who can handle two out of three is also welcome. Strong communication skills, creativity, and attention to detail are also important. If you t...

WARNING - Must Read Before Placing a Bid! I am in search of 10 marketing automation experts proficient in various platforms such as Marketo, , , Latenode, and GoHighLevel. Ideally, you should possess expertise in: - Email marketing automation, - Lead nurturing and scoring, - CRM integration, - Social Media Management Automation, - Content Creation Automation, - Customer Support Automation. The main target for our marketing automation efforts is a B2C (business-to-consumer) audience. Additionally, the candidate who demonstrates a solid understanding of automation tools and a knack for implementing effective strategies will also earn an equity share in the business. Must-Have Core Values Requirement: To be able to get this lucrative opportunity you must have these...

D Lynch Capital provides top-of-line rental assistance for clients in South Florida. This role will work hand in hand with the owner to assist with real estate operations and client screening for rental properties. Your main responsibility will be replying to warm leads over a messenger service and conducting the initial screening according to a simple process to identify potential clients. Additionally, you will support us with various operational tasks, such as preparing contracts and coordinating property viewings. This role requires excellent communication skills and a strong attention to detail. Key Responsibilities: - Replying to hundreds of messages per day using a pre-designed script using copy and paste - Updating our CRM software with new and existing client data - Ensuring data...

Seeking skilled professional to strategize and execute sales and marketing approaches in the diamond industry. You'll take digital marketing tactics to boost our standing among retail customers, wholesalers and jewelry manufacturers. Responsibilities: - Develop a sales strategy: Design approaches to persuade and win clientele. - Implement digital marketing techniques: Use of online platforms to boost brand visibility and attract potential customers. Ideal Skills & Experience: - Proven experience in digital marketing and sales. - Familiarity with the diamond industry. - Capability in dealing with a diverse target audience spanning from retail customers to jewelry manufacturers. Main goal: Drive sales and revenue. Practically apply your expertise to si...

I am looking to have a sales funnel built for my web development and digital marketing services. The main purpose of this funnel is to optimize our conversion rates. Specific Actions to Take: - At each step of the sales funnel, I want visitors to take certain actions. First, I want them to submit a 'contact us' form. Second, I want them to subscribe to our newsletter. Success Tracking: - I am interested in the revenue generated from this funnel, so that will be our primary measure of its success. Ideal Skills and Experience: - The ideal freelancer for this project will have experience creating effective sales funnels, and will have a strong track record of conversion optimization. - They should also have good skills in setting up tracking to accurately measure success...

I'm in need of ...understand, and visually appealing. - **Target Audience**: The video is specifically targeted at business professionals. This implies the content, tone, and style should be suitable for this audience. Ideal skills and qualities for interested freelancers: - Proven experience in creating animated explainer videos, especially for a B2B audience - Proficiency in 2D animation - Strong understanding of marketing and promotional video content - Ability to tailor animations to suit the specific needs of a business professional audience. - Excellent communication skills to ensure the video effectively conveys the key message of the product or service. Please provide examples of your previous work and your approach to creating animated explainer videos. Cheers, A...

...is to create a seamless sales process. Your expertise will be needed to implement and customize these avatars in a way that they can guide users through a smooth and engaging journey. - *Voice Recognition*: A crucial aspect of the project is integrating voice recognition. This feature must be used to streamline the sales process. - *3D Body Scanner & Virtual Changing Room*: The project also includes implementing a 3D body scanner and a virtual changing room, both of which should be enhanced with AI support. Ideal Skills: - Proficiency in AI and 3D technology - Experience in developing interactive websites - Strong background in working with video avatars - Prior projects involving voice recognition are highly desired. Customization: The level of customization exp...

...achieving sales targets. - Strong understanding of IT products and services, including software, hardware, and digital solutions. - Excellent communication and negotiation skills, with the ability to articulate technical concepts to non-technical audiences. - Self-motivated and goal-oriented, with a drive to succeed in a fast-paced sales environment. - Bachelor's degree in Business Administration, Marketing, or a relevant field (preferred). **Benefits:** - Competitive project-based payment structure, offering the opportunity for high earnings based on performance. - Flexible work arrangements, allowing you to manage your schedule and workload effectively. - Access to training and development programs to enhance your sales skills and industry knowledge. - Opportunity for car...

I am in need of an experienced email marketing expert who can help me out with a campaign. The project entails sending out emails once a week that cater to a variety of content types. These include: - Promotional offers - Newsletters - Product updates The target audience for these emails will be a mixture of both existing customers and prospective customers. Key skills and experiences that I'm looking for in a freelancer include: - Proficiency in email marketing tools - A track record of successful email campaigns - An understanding of how to segment and target different audiences - Creativity in crafting engaging email content - Strong communication skills

I'm looking for a modern and minimalist logo to represent my business for marketing and advertising purposes. Key Requirements: - The logo should be modern and minimalist in design - Colors: Primarily Gray, Green, Black, White Ideal Freelancer: - Previous experience designing modern and minimalist logos - Proficient in color theory and able to work with specific color preferences Xclusive Concrete Xclusive Concrete Designs Xclusive Concrete Placement Xclusive Demo Xclusive Concrete Designs Group

I'm searching for a male fashion model from whose primary focus is to promote my casual wear clothing line. The ideal candidate should embody the style and ethos of my brand, as we'll be using the images for a print marketing campaign.

Hello, We are in search of a long-term video editor to handle various tasks related to sports content. Your responsibilities will include trimming breaks from 0.5-1 hour match footage (approximately 5-10 breaks per match), uploading videos to YouTube, adding suitable captions, and crafting descriptions containing player name...publication of these videos on designated channels. This is an ongoing position, with around 50 separate matches' worth of material already available and more to come in the future. We prioritize reliability, creativity, and dedication. Please provide us with your proposal, including pricing, timeline, and examples of your previous work. Looking forward to your proposals! #videoediting #marketing #sports #YouTube #Instagram #TikTok #freelancer #long...

I'm seeking an experienced Google Ads expert to run a search ads campaign aimed at generating maximum leads. The primary goal of this project is to make effective use of ad space on Google's search network. Here's what you'll be working on: - Develop and manage ...network. Here's what you'll be working on: - Develop and manage a search ads strategy - Create eye-catching and effective ads - Maximize lead generation Unfortunately, the target audience for this campaign is undefined, you will be expected to use your expertise to identify and target potential consumers. Ideal Skills: - Proven experience in Google Ads - Excellent understanding of digital marketing - Strong analytical skills to track and optimize campaign performance - Knowledge in id...

I'm looking for a talented illustrator who specializes in realistic artwork. The primary use of the illustrations will be for my marketing materials. Key Points: - The illustrations are required for an installation guide, therefore they should be detailed and clear. - The focus is on creating visuals that are both engaging and informative, with a realistic style. Ideal Skills: - Proficient in realistic illustration. - Experience with creating marketing materials. - Capable of producing detailed, clear visuals.

I'm looking for a sales professional who can reach out to our leads and convert them into registrations for our online school. The product we offer is the Full English National Curriculum to teenagers aged 11 - 18. It's crucial that the sales prof...field - Excellent communication and negotiation skills - Strong understanding of the education sector and the English curriculum - Experience in dealing with teenagers and their parents - Ability to work independently and meet targets - Proficiency in English The job is all about sales - we need someone who can close the deal, so being persuasive and a good listener is a must. Experience in virtual sales, telemarketing, or customer service could be a plus. Our focus is on results and we offer competitive compensation for th...

I'm seeking a seasoned digital marketer who can assist me in enhancing my brand's online visibility. The primary objectives are to boost website traffic, foster lead generation, and elevate brand awareness. Skills and experience ideal for this job: • Proven track record in digital marketing • Mastery in strategizing and implementing campaigns • Excellent capability of target market analysis • Proficient in various digital marketing channels • Expertise in SEO, Social media, Email marketing would be an advantage. Please submit your proposals detailing how you can contribute to meeting these objectives.

I'm looking for a highly skilled and experienced social media marketing team to boost our brand's presence across Facebook and Instagram. Our goal is to significantly increase brand awareness, drive traffic to our website, and generate quality leads. Key Responsibilities: - Create and execute a comprehensive social media strategy focusing on Facebook and Instagram - Consistently monitor and report on campaign performance, making necessary adjustments to improve results - Understand and target the campaign towards Millennials, Parents, and Business Professionals Ideal candidates will have: - Proven experience managing successful social media campaigns, particularly on Facebook and Instagram - Strong understanding of different target audiences and how to tailor content to...

I am seeking an experienced assistant who is talented in social media advertising and SEO marketing. This person will help me grow my online presence to drive more sales and attract a larger audience. Here's what I'm looking for: - Mastery of Instagram, TikTok, and Wix - Proven experience in increasing website traffic, improving brand awareness, and driving leads - Skills in target marketing, particularly towards young adults (18-24), adults (25-34), and parents/caregivers. If you have the necessary skills and can provide a strategic, results-oriented approach, I'm interested to hear how you can help.

Need a Virtual Assistant who can bid on Upwork for our agency. Must have past experiance working on Upwork Proposal writing.

I need a promotional video for a portable battery storage station designed to increase product awareness among general consumers. Your video should be engaging and effectively display the features of my product in a way that appeals to a broad consumer base. Ideal Skills & Experience: -Strong video editing skills -Experience in product promotion -Understanding of marketing techniques focused on general consumers -Background in tech or related fields preferred

...robust Marketing Promotion Plan and Media Coverage strategy - Appropriate financial details (budget overview, predicted ROI) - Efficient Sponsorship Management Plan (point of contact, regular updates, post-event report) - Sponsorship Management Team description - A comprehensive communication plan - A thorough plan for the fulfillment of sponsorship benefits - Compliance and Quality Assurance processes - Problem Resolution procedures - Evaluation and Feedback strategy To accomplish this task, the freelancer must have a strong background in design, marketing, and business strategy. Excellent communication skills, meticulous attention to detail, and the ability to convey complex information in an easily understandable, engaging manner are a must. Experience in event planni...

I'm seeking a proficient virtual assistant to handle both sales and administrative tasks. The role will primarily involve making outbound sales calls and managing appointments. Tasks to be accomplished include: - Making sales calls: Prior experience in making outbound sales calls and ability to effectively communicate the product/service benefits to potential customers is crucial. - Scheduling appointments: Proficient in using Google Calendar and Sheets to manage and schedule appointments, ensuring smooth coordination of sales activities. - Additional administrative tasks: There might be occasional data entry and administration assistance as well. Ideal candidate should have: - Proven experience in telemarketing and sales, especially B2C. - Excellent organizational ski...

...digital marketing professional to work with. The specific services I'm interested in are not defined yet, so I am looking for someone who can offer a broad range of digital marketing services, including SEO, social media marketing, and email marketing. This campaign does not have a specific target audience at the moment, hence the freelancer needs to have experience in targeting various age demographics - including young adults, middle-aged adults, and senior citizens. The primary campaign goal is still up in the air, so it could vary from increasing brand awareness, to lead generation, or driving website traffic. Key skills required: - SEO expertise - Social Media Marketing - Email Marketing - Ability to target all age demographics -...

Seeking a Social Media Job Posting Specialist with 2 years of experience to join your team. Responsibilities include strategizing and executing job postings, creating engaging content, targeting relevant audiences, analyzing performance metrics, and collaborating with the HR team. expertise in social media platforms, strong writing skills, analytical mindset, and adaptability. well versed in attracting top talent through innovative social media recruitment strategies!

I'm seeking expert support in the field of AI to guide me through CONSULTANCY focusing on the content processing of business & marketing materials. Key Responsibilities: - Provide Consultancy on use of such AI content comprehension tool, which extract useful & relevant information with AI content creation/elaboration according to questions asked, based on existing text content in English & Chinese primarily, - Provide guidance & sample demonstration on the execution process (could be access to subscribed account of some AI tool if needed, but the tool itself must be codeless and ready to use) Specifics: - Primarily working with Business & Marketing materials - The target audience for these materials is B2B. Ideal Candidate: - Proven experience in...

Our team is looking to hire a detail-oriented, proactive remote operations expert and virtual assistant. Your responsibilities in this role will include: - Managing Daily Job post on LinkedIn - Sending one time messaging to all applicants - Managing Google Drive Ideal candidates for this role will have extensive experience in remote operations and virtual assistant positions, with a proven track record of time management. You should be highly organized and able to multitask effectively. Excellent communication skills are a must, and you should be able to work autonomously with minimal supervision. If you are starting out as a freelancer then this is the right job for you. Looking forward to finding the right candidate to join our team!

I seek an experienced graphic designer for transforming our company's digital presence via stunning LinkedIn and Facebook banners. It's important to us to: - Elevate and promote the brand awareness of 'The Digi Marketing Clinic' - Adhere strictly to our branding guidelines during design Your creativity is welcomed, however, please respect our pre-established branding vision. Ideal candidates will have experience in graphic design with a knack for branding and visual storytelling in the digital realm. Proven success with similar tasks will set your application apart. Let's create something memorable together!

I'm seeking a skilled developer to create a Real Estate website focused on offplan residential properties. The website will have an AI Contact form that gathers all buyer requirements. Key Features: - Building the website - Implementing an AI Contact form to collect buyer requirements - Ensuring the form is intu...or chatbots, with a preference for AI forms - Familiarity with customer engagement strategies, particularly in the Real Estate sector. This project holds the potential to revolutionize how we interact with our clients, and I am excited to find the right professional to bring this vision to life. On top if this we will give the same company the rights to help with all our designing for our marketing campaigns on Instagram and other paids ads like google adwords to...

I'm urgently in need of a creative freelancer who can craft a professional and sophisticated Adobe Premiere video template for marketing. Specifically, I'm seeking someone to incorporate: - An animated version of my logo - Subtitles or captions throughout the video - Subtle, yet engaging background music Ideal candidates would have a deep understanding of Adobe Premiere and a previous experience in creating video templates, particularly for marketing purposes. A strong sense of professional, sophisticated design and prior work with logo animation, subtitles, and background music is also highly desirable. Make your bid highlighting your relative skills and experience. I'm looking forward to seeing your innovative approach to meet my needs.

I'm in need of a versatile virtual sales executive to take charge of several integral tasks within my technology company. Key Responsibilities: - Cold calling potential clients: You'll need to be confident on the phone, able to hold engaging conversations and represent our company professionally. - Lead generation: This will involve thorough research and may include social media, online forums, and other channels. - Sales pitch and follow-up: You should be well-versed in effective sales techniques and able to follow up with leads in a way that converts them into customers. Ideal Candidate: - Previous experience in a similar role, preferably in the technology sector. - Strong communication skills, with a proven track record in sales. - Proficiency in utilizing phone call...

...crucial. Furthermore, the ideal candidate will have the ability to switch up the design style based on the job requirements whether it's a clean, modern design or something colorful and vibrant. So, flexibility in terms of design style is key. If you have managed the design aspect of comprehensive email marketing campaigns before, I'd love to hear more about your experience and see some examples of your work. --------------------- Overall we are looking for a reliable Virtual Design Assistant with their own computer and internet to work from home. The area of the business that you would be servicing is in healthcare and is working inside of Australian Time Zone (Brisbane) 10am to 7pm Monday to Friday. Personality traits for this role is someone who ...

I'm seeking a marketing professional with experience in selling life insurance, particularly targeting senior citizens. While developing and executing a strategic marketing plan for selling life insurance to senior citizens, highlighting key features such as affordable premium rates, comprehensive coverage benefits, and favorable policy terms is critical. Ideal Skills and Experience: - Proven marketing experience in the insurance industry - Familiarity with senior citizens' needs and demands - Adept at highlighting premium rates, coverage benefits, and policy terms.