Well, the more that's spent on advertising, the higher the price of the good in a lot of (if not most) cases. Think about Arizona Iced Tea, it's only $1.00 and yet very popular, that's because they don't rely on advertising, so they don't have to raise the price to compensate for the costs that would go into it otherwise.
Advertising will be effective if its production and placement must be based on a knowledge on a public and skill use of the media. Advertise are based on consumer's behavior and demographic analysis of a market area. Hope this helps!!
The type of insurance that Francesa have is RENEWABLE TERM INSURANCE. This is a type of insurance that allow the beneficiary to prolong the coverage term for a specific period of time without having to re-qualify for coverage.