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What is Insurance?
Insurance is a contract that provides protection to an individual or entity against a loss. This protection guarantees reimbursement from an insurance company.
Protecting oneself is not an uncommon experience but becomes more sacred when the law is involved. There is a legal agreement that covers two parties – that is, the insurance company known as the insurer and the individual (the insured).
The insured pays the insurance company, regular amounts, and the insurer agrees to make good of the losses of the insured on the happening of the insured contingency.
insurance meaning, types, and terms
Importance of Insurance
In situations where a loss occurs, for instance, the death of the insured who has paid a premium for life insurance, the insurance company ensures that it compensates the beneficiaries as at when due.
Imagine someone’s life toil gone in a flash and regained by a cover got from insurance. Now imagine one who toils with insurance and can not make it through a fire occurrence that has claimed his/her properties.
Types of Insurance
There are lots of different types of insurance depending on what exactly you wish to protect. Below are a few of them:
Life Insurance
Health Insurance
Property Insurance
Renters’ Insurance
Auto/Car Insurance
Engineering Insurance
Insurance Terms You Should Get Familiar with
Insurance Policy: Insurance Policy is a contract between an insurer and the insured which determines the claims which the insurer is required to pay by law. More
Insurance Premium: Insurance Premium is the amount of money an individual/entity pays for an insurance policy.
Insurance Broker: An Insurance Broker is an insurance risk management specialist that provides advice in the interest of their clients. More
Insurance Agent: An Insurance Agent is an individual or organization that solicits and negotiates contracts on behalf of the insurer. More
Insurance Underwriter: An Insurance Underwriter is a person who evaluates and analyzes risks involved in insuring people and assets.
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Frequently Asked Questions
What is an insurance company?
An insurance company is a company that provides and sells insurance. Insurance companies only pay out a percentage of the replacement cost.
What is risk in insurance?
Risk is the chance that something harmful or unexpected could happen. This might be loss, theft, or damage of valuables.
What is a proposal form in insurance?
A proposal form is a form completed by the policyholder when applying for insurance.
What is an insurance claim?
An insurance claim is a formal request by a policyholder to an insurance company for coverage or compensation for a covered loss or policy event.
جدة (يونا) - وقع منتدى الأعمال لمجموعة البنك الإسلامي للتنمية (ثقة) واتحاد غرف دول مجلس التعاون الخليجي (FGCCC) أمس، مذكرة تفاهم (MoU) لتسهيل التعاون بين الطرفين، والعمل عن كثب لتعزيز ودعم وترسيخ جهود التكامل بين اقتصاديات دول المجلس والدول الإسلامية، الذي بدوره سيعزز من مكانة اقتصاد مجلس التعاون الخليجي في العالم الإسلامي، وذلك بمقر المؤسسة الإسلامية لتنمية القطاع الخاص (ICD) في مدينة جدة.
وقع مذكرة التفاهم عن منتدى الأعمال لمجموعة البنك الإسلامي للتنمية (ثقة) الرئيس التنفيذي للمؤسسة الإسلامية لتنمية القطاع الخاص (ICD) أيمن أمين سجيني، وعن اتحاد غرف دول مجلس التعاون الخليجي الأمين العام المكلف أماني بوخمسين.
وتهدف مذكرة التفاهم إلى تبادل المعلومات والاستشارات في مجالات العمل المشترك وتنسيق الأنشطة والفعاليات ذات العلاقة، وتسويق الفرص الاستثمارية التي يمكن تنفيذها بتعاون مشترك بين أصحاب الأعمال بدول الخليج، وربطها بالموقع الإلكتروني الخاص بمنتدى الأعمال (ثقة) والاتحاد والتعاون في تنظيم الدورات التدريبية، وأيضاً التعاون بين الأمانة العامة للاتحاد ومنتدى الأعمال (ثـقة) فيما يتعلق بفرص الاستثمار، ودليل رجال الأعمال، وروزنامة المعارض، والإحصائيات والمؤشرات الاقتصادية، وغيرها من المعلومات ذات الاهتمام المشترك والمشاركة في فعاليات رئيسية للاتحاد والمنتدى يتم التوافق عليها ضمن الاستراتيجية السنوية.
وتقضي مذكرة التفاهم بأن يتشارك منتدى الأعمال لمجموعة البنك الإسلامي للتنمية (ثقة) واتحاد غرف دول مجلس التعاون الخليجي (FGCCC)، في نقل المعرفة والمعلومات والتعاون في أنشطة مثل الترويج للفرص الاستثمارية والمشروعات الصغيرة في البلدان الأعضاء لمجموعة البنك الإسلامي للتنمية، علاوة على ذلك ستُمكّن مذكرة التفاهم كلا الطرفين من دعوة رجال الأعمال البارزين والقادة والمستثمرين المهمين من الدول الأعضاء في مجموعة البنك الإسلامي للتنمية، للمشاركة وحضور الفعاليات التي تُنظم من قبل الطرفين، والتعاون في المجالات التي تعزز فرص الاستثمار، وتبادل الخبرات واستكشاف الفرص التجارية الثنائية.
وأوضح الرئيس التنفيذي للمؤسسة الإسلامية لتنمية القطاع الخاص (ICD) أن توقيع مذكرة التفاهم هذه تُمثل خطوة نحو التعاون الأوسع بين منتدى الأعمال لمجموعة البنك الإسلامي للتنمية (ثقة) واتحاد غرف دول مجلس التعاون الخليجي (FGCCC)، وسوف تسهم في إنشاء منصة ربط الأعمال ونمو الفرص الاستثمارية على المستوى العالمي وتحقيق عوائد قوية وثابتة.
من جانبها قالت أماني بوخمسين: إن توقيع مذكرة التفاهم يمثل شراكة مهمة ويسهم أيضاً في تقديم المساعدة لكلا الطرفين، وتبادل المعلومات ذات الصلة والتعاون في المبادرات التي تعزز من مكانة اقتصاد مجلس التعاون في العالم الإسلامي والذي سيسهم في خدمة القطاع الخاص بدول المجلس. مشيرة إلى أن منتدى الأعمال لمجموعة البنك (ثقة) واتحاد غرف دول مجلس التعاون الخليجي (FGCCC) وافقا على تقييم التقدم المحرز في تحقيق أهداف المذكرة، والنظر في الطرق التي يمكن بها تنفيذ أحكام المذكرة بطريقة أكثر فعالية وكفاءة.
(انتهى)
ز ع/ ح ص
اتحاد غرف دول مجلس التعاون الخليجي ومجموعة البنك الإسلامي للتنمية يوقعان مذكرة تفاهم ، هذا الخبر قدمناه لكم عبر موقعنا.
وقد تم استيراد هذا الخبر اتحاد غرف دول مجلس التعاون الخليجي ومجموعة البنك الإسلامي للتنمية يوقعان مذكرة تفاهم، من مصدره الاساسي موقع IINA.
ولا نتحمل في موقع من اليمن اي مسؤولية عن محتوى اتحاد غرف دول مجلس التعاون الخليجي ومجموعة البنك الإسلامي للتنمية يوقعان مذكرة تفاهم.
Portland, Oregon — The serenity of downtown Portland will be tested yet again Saturday
afternoon. Stores began closing Friday night ahead of dueling protests
between groups of right-wing extremists and anti-fascist demonstrators.
Several
extremist groups are expected to show up, but no one has applied for
any type of permit. Police learned about the protest from monitoring
social media, and from what they read, there is concern for possible
violence
↚.
In recent years, Portland has become a magnet for
protests, some of them turning ugly. Several groups from the far-left
and far-right said they will converge in the city's downtown. Police
said its nearly 1,000 member force will be on duty.
"We recognize
these events can cause alarm, anxiety and even fear for certain members
of our community," said Lieutenant Tina Jones.
A riot in 2017
shattered store windows throughout downtown, leading to 25 arrests.
Residents said they've grown weary of the street battles.
"It's
sad to me because I think that a lot of people that come here to protest
don't actually live here or share a lot of values that I believe
Portland stands for," said resident Drew Edwards
↚.
The far-right event Saturday was organized by the "Proud Boys," a group the Southern Poverty Law Center designated as a hate group.
Police aren't sure which protest groups will show up, what they'll be
protesting about and if they're only coming to cause trouble.
"We
have seen a shift in the last few weeks in the rhetoric, and a
separation of those who want to engage in free speech and those who
intend to participate in acts of violence," Jones said.
Portland's racist past smolders beneath the surface
Some
business owners said they hope to stay open on Saturday. Meanwhile, the
FBI will be on scene out of an abundance of caution.
President
Trump on Saturday said there was "major consideration" to name "Antifa"
an "organization of terror." Antifa is a collective name for
anti-fascist protesters. "Portland is being watched very closely.
Hopefully the Mayor will be able to properly do his job!" Mr. Trump tweeted.
Dear the Pill: I’m sorry, but I hate you. I respect that you
represent a revolutionary moment in reproductive rights, and I believe
that all women should have access you. But, I hate you. And I’m not the
only sexually-active millennial who feels this way: since 2011, there
has been at least a 10 per cent drop in oral contraceptive prescriptions
in Canada alone. In the age of the Internet and home-brewed kombucha,
young women are paying more attention than ever to what they put in
their bodies. Which means we want hormone-free, non-invasive birth
control methods — and near 100% effectiveness.
And this is where your smartphone comes in. Your phone can tell you
when it’s going to rain and what time a movie is playing, and yes, it
can tell you whether or not you can have sex without unintentionally
procreating. Natural Cycles, the buzzy digital birth control that uses
your body temperature to prevent – or plan – pregnancies, became the
first contraceptive app approved by the European Medicines Agency last
year. Last Friday, it became the first contraception app approved by the
FDA. Here’s how it works:
“Based on a unique algorithm, the app analyses fluctuations in a
woman’s basal body temperature to identify ovulation and predict fertile
days. Women use the app in combination with a basal thermometer to
identify fertile days when protection (or abstinence) is required.”
Essentially, it’s a tech savvy approach to traditional
family-planning practices, or “rhythm methods.” And, you know, it comes
with pretty millennial pink and purple branding with relatable quotes
and cute selfies. (Or perhaps more importantly, it’s 93% effective under
typical use. Which doesn’t sound great, but by comparison, birth control pills are only 91 percent effective when human error are accounted for.)
The app itself hasn’t *exactly* been approved by Health Canada, but
the Canadian Public Health Association recognizes “Fertility Awareness
Methods” as one of its listed birth control methods, and Natural Cycles
is essentially that. But before you go ordering your own — yes, they
ship to Canada —let’s just clear one thing up quick: just because
Natural Cycles is taking contraception digital doesn’t mean you can take
all your birth control questions and concerns to the Internet. Before
switching contraception methods, it’s important to consult your health
care professional. These innovations in the digital space come in a
millennial- friendly package, but they might not be what’s best for your
body. It’s cool to be curious, but make sure you’re cautious when
choosing the birth control that’s best for you.
m waiting to meet Constance Wu outside Blue Bottle Coffee in L.A.’s Echo Park, when I realize I’m not 100 per cent certain I’ll recognize her out of character. I’d seen Wu’s show-stealing breakout work on Fresh Off the Boat, where she plays the mother of food personality Eddie Huang (or some prepubescent version of him) with more nuance than most sitcom moms could imagine, but she likely wasn’t going to turn up looking like Jessica Huang in a loose floral-print dress from the early ’90s.Not to mention, seeing famous people in real life is a little like hearing your cellphone ringing in the other room—you’re pretty sure it’s your ringtone, but it’s so faint that it could easily be a police siren down the block or your brain messing with you. But then she walks past me and into the café.
I know it’s her because (1) I do recognize her, thank you very much, and (2) I get a text from her, letting me know she has arrived.PHOTOGRAPHY BY MAX ABADIAN. STYLING BY SOPHIE LOPEZ. CREATIVE DIRECTION BY BRITTANY ECCLES. HAIR, DEREK YUEN FOR STARWORKS ARTISTS/ORIBE. MAKEUP, JO BAKER FOR FORWARD ARTISTS/NARS COSMETICS. MANICURE, MAZZ HANNA FOR ORIBE HIGH-SHINE NAIL LACQUER. FASHION ASSISTANT, THANDA GIBSON. PHOTOGRAPHY ASSISTANTS, ALEXANDRE JARAS AND RONNIE SMITH.I was right. Wu definitely doesn’t look like she does on Fresh Off the Boat or, for that matter, like her character Rachel Chu from Crazy Rich Asians—the unfortunately groundbreaking late-summer blockbuster based on the bestselling book by Kevin Kwan. Her hair is blond now, though it seems like a stop in a long journey that will inevitably return to black. (It was pink for a while, too.) She’s wearing large reflective sunglasses and a New York Giants ball cap that she adjusts periodically during our interview as a kind of punctuation. The sunnies and cap (the universal uniform of the incognito celebrity) also work perfectly for the neighbourhood—hip but well heeled, approachable despite some rough edges.I say that Crazy Rich Asians is unfortunately groundbreaking, but actually Fresh Off the Boat is, too. Technically, the ground upon which these projects were built, so to speak, has been broken, but it was broken so long ago that it hardly counts. There hasn’t been a Hollywood feature consisting almost entirely of Asians since The Joy Luck Club in 1993, and the last sitcom entirely centred around an Asian family was All-American Girl with Margaret Cho nearly 25 years ago. It’s not unfortunate that these projects got made, but it’s pretty shameful that they are the only ones.“I have a pretty good capacity to talk about it in such a way that it’s as clear and insightful as it can be in the moment. I actually think it’s kind of a privilege and an honour—and an obligation.”Naturally, this is something that Wu is keenly aware of. If you follow her on social media or watch her in interviews or read what she has written in magazines—or what has been written about her (including Lena Dunham’s gushing write-up about her in last year’s 100 Most Influential People issue of Time)—you are no doubt also aware of the startling lack of Asian representation in Hollywood. She isn’t shy about fighting for it, even if her activism has become one of the first things everyone asks her about.
“I have a pretty good capacity to talk about it in such a way that it’s as clear and insightful as it can be in the moment,” she says. “I actually think it’s kind of a privilege and an honour—and an obligation.”But, growing up in Richmond, Va., Wu wasn’t always as conscious. “I don’t think I was ignorant; I just didn’t have cousins or uncles or aunts around me—or anything like that either,” she says. “My parents’ friends were people from the university where my dad taught, and they were all white. I just didn’t notice it.”And because Richmonders are unfailingly polite, the first time she even thought about her ethnicity, she tells me, was after she had moved to New York. She was picking up bit parts in theatre and indie films and became friends with a girl who seemed to be at all the same auditions as she was. “She was also Asian-American,” recounts Wu. “We went to this party, and after walking in, she said to me, ‘We’re the only Asian people here.’ I hadn’t even realized it. She had grown up in New York, with family around her, so she was used to being in spaces where there were other Asians. I was very used to being in spaces where it was all white people.”You know, like Hollywood.PHOTOGRAPHY BY MAX ABADIAN. STYLING BY SOPHIE LOPEZ. CREATIVE DIRECTION BY BRITTANY ECCLES. HAIR, DEREK YUEN FOR STARWORKS ARTISTS/ORIBE. MAKEUP, JO BAKER FOR FORWARD ARTISTS/NARS COSMETICS. MANICURE, MAZZ HANNA FOR ORIBE HIGH-SHINE NAIL LACQUER. FASHION ASSISTANT, THANDA GIBSON. PHOTOGRAPHY ASSISTANTS, ALEXANDRE JARAS AND RONNIE SMITH.Speaking of white people and Hollywood, the café seems mostly occupied by trendy white millennials (some of whom, remember, are in their 30s now) on laptops, presumably writing screenplays or comedy sketches or whatever else Los Angelenos write when they are caffeinated and without Wi-Fi. (The café doesn’t do Wi-Fi.) Wu joins me at my table near the back, where I had left my laptop.Once Wu is in front of you, you stop noticing much else. And while that sounds like the start of an awestruck profile in a men’s magazine, it has nothing to do with my male gaze. She has a casual magnetism like static electricity.
There isn’t anything especially manic, pixie-like or unreal about her. She starts in immediately as if she’s on deadline and only has so much time to impart her thoughts on her art. For her, acting means a lot of homework.“With every character you go into, you create a life that brought you to where you are, in the present day of the movie,” she tells me. “There are all these clues along the way that you get from the script. It could be something as simple as how much slang you use or if you use curse words or don’t use curse words, if you talk a lot or if you’re very quiet. So you take all those markers from the script and develop who the person is, their interior life. You want your homework to be so deep in your bones that it’s unconscious.”It’s several minutes into our chat that I start to worry. There’s a difference between interviewing and shooting the breeze. And while the latter is eminently more comfortable for both parties, it can be like when you were a teenager and you talked excitedly on the phone for hours, only to remember the feeling of the conversation more than the content. Of all the difficult behaviours that an interview subject can exhibit, from boorishness to monosyllabism, chattiness is probably the least egregious. Wu isn’t tossing out clichés like a football player at halftime; she’s talking with passion about her passion.What we’re doing, in fact, is creating a script together. One that, according to her, might give me some clues about her interior life. It actually reminds me of something David Foster Wallace wrote in his essay “Authority and American Usage”: “When I say or write something, there are actually a whole lot of different things I am communicating. The propositional content (i.e., the verbal information I’m trying to convey) is only one part of it.
Another part is stuff about me, the communicator. Everyone knows this. It’s a function of the fact that there are so many different well-formed ways to say the same basic thing….”So, the first clue from Constance the Communicator? She swears a fair bit. “Sorry,” she says. “I say ‘fuck’ a lot.”PHOTOGRAPHY BY MAX ABADIAN. STYLING BY SOPHIE LOPEZ. CREATIVE DIRECTION BY BRITTANY ECCLES. HAIR, DEREK YUEN FOR STARWORKS ARTISTS/ORIBE. MAKEUP, JO BAKER FOR FORWARD ARTISTS/NARS COSMETICS. MANICURE, MAZZ HANNA FOR ORIBE HIGH-SHINE NAIL LACQUER. FASHION ASSISTANT, THANDA GIBSON. PHOTOGRAPHY ASSISTANTS, ALEXANDRE JARAS AND RONNIE SMITH.A better clue, though, would be why she does all this homework, even for small parts in television shows (not to mention the hours of work she put in with her acting coach for each episode in the first two seasons of Fresh Off the Boat). “I want to honour the human I’m playing,” she says. “If someone were to play me in a movie, I’d want her to really care about what my story was. So I give the same treatment to any character I play.” This is proof of her awareness and sensitivity.It’s the same empathy that fuels her activism and her understanding that not everyone loves hearing an actress sound off about her acting technique. “If it’s not boring, then it can seem very self-important,” she says. “But I don’t think it’s a bad thing to take pride in your work and to value it. Where the stigma comes in is when people with different values than yours perceive your passions with judgment. But that’s on them. Even though you shouldn’t be ashamed of being a serious actor, you want to be sensitive and not egotistical.”Speaking of not being egotistical, I should come clean. That thing that Wu said didn’t actually remind me of a David Foster Wallace essay in that moment. In fact, I didn’t read that essay until after I met her, and then it was partially to procrastinate. Mostly, though, I read it because, much to Wu’s Woke Woman of 2018 shame, DFW (who has earned a reputation—not entirely deserved—of being a kind of literary messiah to a certain species of pretentious 20-something white dude who never leaves home without his messenger bag) used to be her hero. It’s a fact that she shares the same way someone might say they used to find Donald Trump attractive.“I realized ‘Oh, there’s a different way to think about things, in terms of how structures are created.’ I think that’s the first step to becoming woke: understanding that you’re programmed. That you grow up in a system.”“Not to go back to this—because it’s so embarrassing and he’s a white guy—but the beginning of my thinking of things in a different way was reading David Foster Wallace,” she explains. “The way he breaks down language and education—because that essay is essentially about a dictionary…. I remember that when I read that (I was probably 21), I realized ‘Oh, there’s a different way to think about things, in terms of how structures are created.’ I think that’s the first step to becoming woke: understanding that you’re programmed.
That you grow up in a system.”That understanding is how Wu navigates the inherent challenges of her steady online activism, whether she’s calling out white supremacy, pointing out Asian erasure or railing against Trump’s immigration policy. (“Seeking asylum is not a crime. Taking children from their parents, putting them in tents and cages in a place that’s over 100 degrees heat is inhumane. This is not what America is about. Stand up to #keepfamiliestogether.”) As anyone who has met a comments section on the Internet knows, the potential for setting even supposed allies off is dangerously high. “I don’t like being attacked,” says Wu. “But I like being made aware of stuff that I didn’t think of. And, yeah, sometimes it has a mean edge to it, but the way I think of it is ‘Oh, this person has been hurt before.’ So I feel that.”PHOTOGRAPHY BY MAX ABADIAN. STYLING BY SOPHIE LOPEZ. CREATIVE DIRECTION BY BRITTANY ECCLES. HAIR, DEREK YUEN FOR STARWORKS ARTISTS/ORIBE. MAKEUP, JO BAKER FOR FORWARD ARTISTS/NARS COSMETICS. MANICURE, MAZZ HANNA FOR ORIBE HIGH-SHINE NAIL LACQUER. FASHION ASSISTANT, THANDA GIBSON. PHOTOGRAPHY ASSISTANTS, ALEXANDRE JARAS AND RONNIE SMITH.Pretty quickly, the character that begins taking shape in this interview-inspired script demonstrates some enviable qualities: She’s understanding and honest, and she has integrity. She’s also willing to say the F-word. Well, sometimes. Peep this tweet from last year, when Wu was sharing her thoughts on Casey Affleck’s impending Oscar win: “I’ve been counseled not to talk about this for career’s sake. F my career then, I’m a woman & human first. That’s what my craft is built on.” That attitude hasn’t changed.“Of course I want to get more jobs,” she says. “But at what cost? If me speaking my mind about something that I think really matters is going to take a part away from me, then that’s not a part that I want. Those aren’t people I want to work with. Not because they’re not great [Ed. note: There’s that empathy again] but because we have different values and I’m going to feel like shit the whole time I’m on that set.”Of course, there’s an easier way to get to know the real Wu. Simply explore the wasteland where no one dast venture: the third page of Google results. After we’ve chatted about her activism, her acting philosophy and her family (her parents emigrated from Taiwan, and she has three sisters), I open my laptop to the website Articlebio.com. “This is the best article I was able to find about you,” I say as I pass my computer over to Wu.“If me speaking my mind about something that I think really matters is going to take a part away from me, then that’s not a part that I want. Those aren’t people I want to work with.”“Oh, my God,” she laughs while she reads the following: “‘Her style happening is unique with her naturalist performance.… Her trademark is black hair.’ Well, fuck.” She keeps reading, adjusting her cap over the no-longer-trademarked blond hair. “‘In the current time she has no any spouse.’ Can you send me this? It’s fucking amazing.
‘But she is wearing down a partner very soon.’ Because they know this about me.” Her eyes keep scanning the screen.“‘She is also a good drummer,’” Wu continues.“Yeah, I wanted to ask you about playing drums,” I say.“I don’t know where the fuck they got that,” she says. So far, Articlebio is not getting many things right. Which is a pity, because as far as giving details goes, this piece dishes them out like hot takes after an awards show. The article claims she is a good long-distance runner, which is correct, but also says she loves to cook Chinese dishes. “No way,” says Wu. “I can’t even cook. I don’t own a rice cooker. I microwave rice from Trader Joe’s. I’m the worst Asian ever.”But it gets worse—or maybe better. Her salary, she reads, “‘is a good enough earning, and so is her net worth.’” Then, after the slightest pause, she says: “A thousand dollars is my net worth? Wow. My net worth is fucking a thousand dollars? That’s pretty sad.” Especially since she just bought her first home.I chime in: “‘She also won the award with the title of best director from the academy awards twice in her life.’ You won best director?”“Yeah. Not just once. Twice.” Then, after the briefest of pauses—because she understands timing, in both comedy and her career—she adds, dry as a California summer, “And I’m a great drummer.”You can find Constance Wu on the cover of our September 2018 Identity Matters Issue, on newsstands August 13.
BEAUTY / MAKEUP The Story Behind Too Faced, Known For Their Peach Scented Makeup, And Celebrating 20 Years In The Industry
Entering the Orange County, Calif., headquarters of Too Faced cosmetics is like arriving at
the beauty version of Oz.
Giant tubes of Melted, the brand’s popular liquid lipstick, greet you like beauty sentinel and every turn reveals a new surprise: A bunny-and-bird-dotted mural at the elevator bank is a clever ode to the brand’s Natural Love eyeshadow palette (and de Gournay wallpaper); an enormous mobile of smiling peaches hangs beside a tree “sprouting” Sweet Peach palettes; and unicorn heads, flirty black lashes and Chanel-tweed-inspired carpet accent chandeliered conference rooms. The Yellow Brick Road here? A pink and black stairway painted with inspirational maxims like “Makeup is power” and “Own your pretty.”The beauty wizard behind all this cheeky fun? Chief creative officer Jerrod Blandino, who co-founded Too Faced in 1998 with his husband, Jeremy Johnson.
The duo met while working behind the counter at Estée Lauder in Saks at the South Coast Plaza mall. “Makeup was such an intimidating process in the late ’90s,” recalls Blandino. “You couldn’t break the rules, everything was brown and I just thought it should be fun.” With his unbridled enthusiasm and love of art, Blandino began melting eyeshadows, blushes and glosses from tester units in his free time, dreaming up a new face of beauty punctuated by irreverent humour and “kick-ass formulas.” “I went to a lab and told them I worked for Lauder—but I didn’t say ‘at the mall,’ so they took the meeting!” he exclaims.
“And through that, I created the first-ever glitter eyeshadow and we launched our very first collection.”Twenty years of glitter and fun later, the brand is debuting its limited-edition anniversary collection—a throwback to the first—with sparkly updated versions of the OG eyeshadows and lipsticks (plus bonus hues) and Better Than Sex Mascara wrapped in a shimmery birthday suit tube. With design details like highlighters shaped into unicorn horns and scented palettes inspired by scratch-and-sniff stickers, Blandino has an uncanny ability to translate his creative whimsy into over-the-top products that make fans feel welcomed into the wacky world of Too Faced whenever they open a compact. And fans show their appreciation by, well, breaking the Internet.Like another famous pop culture “peach,” the Peaches and Cream collection created a frenzy, crashing the company’s website and selling out within minutes. It’s among the Instagram and YouTube makeup set that Too Faced has found particularly explosive success, earning myriad fans including star vloggers Jackie Aina and Kandee Johnson.
“It makes me so excited to be in the cosmetics world—it has reinvigorated our business,” says Blandino of social media. When Aina explained that she needed to mix a number of foundation colours from the brand’s Born This Way collection to match her skin tone, Blandino even invited her to the office to help expand the shade range. “There are important nuances,” he says of getting skin tones right. “Jackie really educated me.”But long before social media was a thing, Blandino was creating instant classics. A few brand highlights throughout the years: the first lipgloss ring for the prestige market; Lip Injection, a blood-vessel-dilating gloss inspired by a late-night Viagra commercial; the Chocolate Soleil bronzer, a light-bulb moment during a chocolate facial in Hawaii; Hangover Primer, a skin-loving formula infused with coconut water and probiotics; and, of course, Melted, sparked by a mishap on a hot day.
During an errand, Blandino’s sister left her lipstick in his car. When she went to reapply it, says Blandino, “it just melted all over her lips! So we played with waxes and binders and created the first lipstick that wouldn’t solidify.” The latest incarnation, Melted Matte-tallics, launched in June. And in a come-full-circle moment, Estée Lauder recognized the talent it let get away two decades earlier and bought Too Faced for over a billion dollars in 2016. “I have resources if I want them, and I have complete creative control,” says Blandino about the sale. Lucky for us.
