Latest news with #BeyondBasic
News18
10-06-2025
- Health
- News18
5 No-Fuss Skincare Gifts For People Who Like To Keep It Simple
Last Updated: When it comes to gifting skincare, simplicity can be the most thoughtful choice. These no-fuss picks bring joy without the overwhelm just clean, effective care that feels good If gift giving is your love language and you have a skincare minimalist in your life (or are one), we have the perfect solution for you! Skincare can be a very personal gift, what works for one person may not be a fit for another. There are some low-maintenance, universally adored heroes that make the ideal gift. These gifts won't take up shelf space or overwhelm your loved one with a 15-step routine. Think of clean, efficacious, feel-good skincare that enhances the everyday. For a birthday, thank you gift, or just a little gift to yourself, these five skincare gifts fit the bill as uncomplicated as your loved one wishes it to be. 1. Moisturiser: For that friend who is always pursuing the glow (without the hassles of their own 10-step routine), the Dot & Key Vitamin E Moisturiser is practically a hug in a jar. With triple the Vitamin C, this cream is all about going from dull, lifeless skin, to fresh, bright fabulousness. It hydrates like a dream, minimizes annoying fine lines and sun spots, and even works on the acne-causing bacteria (who invited those?!). And, it's cruelty-free and the ingredient is clinically proven to provide 35% brighter and hydrated skin so yes, your gift could literally provide the glow-up they didn't know they needed. Thoughtful, practical, and guaranteed to be a total hit, what's not to love? 2. Body Sunscreen: For your sunshine besties, errand-running go-getters, and brunching-in-the-sun people, the Aloe Berry Tinted Body Sunscreen by Beyond Basic is literally the best skincare-meets-self-care gift. Not just for its SPF 50 with PA+++ protection (which is like gifting them a personal bodyguard with glow) the Aloe Berry Tinted Body Sunscreen is a high-performance sunscreen that protects, and perfects! The sheer tint enhances their natural skin tone, enhances, and hydrates all without a white cast. Best for arms, legs, shoulders or any other places that love the sun, this sunscreen works wonders on all skin types, even sensitive skin. It's basically an express route to healthy, radiant-looking skin and a big 'I care about you" gift in a bottle. 3. Night Cream: If beauty sleep had a stylist, it would definitely be the PLUM Bright Years Restorative Overnight Crème. This fabulous night cream harnesses the restorative powers of plant stem cells, while also packing in skin-loving hydrators (hello, shea butter and hyaluronic acid!) and glow-boosting licorice. Have dull skin? Fine lines? Rough patches? Lack of glow? This thick, luxurious night cream will tackle all your skin issues while you sleep. 4. Toner: Searching for a gift that feels like a mini spa in a bottle? Enter the Forest Essentials Mogra Facial Tonic Mist– a dose of luxury with every spray. It's made with steam-distilled Mogra floral water, this mist hydrates, calms, and tones the skin. Plus, it smells heavenly. It's the kind of luxurious, skin-loving little pick-me-up we could all use at any time of day. Whether you gift it or keep it for your own glow-up stash, this face mist will change the game for your mood (and skin). 5. Tint: For the friend who is always on the move and likes their beauty quickly, the RENEE Tip-Tip Water Tint is the perfect multi-tasking present. This lightweight and water based product is infused with Vitamin C and Hyaluronic Acid, so you achieve that juicy flush with happy skin. The lip-and-cheek hero has a soft matte finish, waterproof, and brings glow in just a couple dabs. No more sifting through a dozen products, this is the only thing you need! It's cute, compact, and easy breezy… just like your all-natural glam friend. When it comes to gifting skincare, simplicity can be the most thoughtful choice. These no-fuss picks bring joy without the overwhelm just clean, effective care that feels good. Because sometimes, the best gifts are the ones that make everyday routines feel a little more special. First Published: June 10, 2025, 13:03 IST
Fashion Network
26-05-2025
- Business
- Fashion Network
Beyond Basic debuts as Indian skincare brand
Mumbai and Los Angeles-based entrepreneurial siblings Heena Shah and Aakash Raj have launched Beyond Basic as an Indian skincare label that aims to simplify modern beauty routines through multifunctional products. The new brand targets both the domestic and international premium beauty markets with a focus on streamlined formulations. 'We created Beyond Basic because we tried an exhaustive range of multi-brand skincare products that felt more like a chore than self-care," said Heena Shah and Aakash Raj in a press release. "Our goal was to develop products that simplify routines while remaining effective and multifunctional." Beyond Basic was created in response to the complexity of conventional skincare, offering solutions that address multiple concerns with fewer products said Shah and Raj. The brand's launch range, titled 'Aloe Berry,' uses soothing aloe vera and antioxidant-rich berries to nourish, calm, and protect the skin. The Aloe Berry collection includes the Aloeberry Moisturiser + Primer, a lightweight hydrator with a soft-focus finish; the Aloeberry Tinted Face Sunscreen SPF 50 PA+++, which provides broad-spectrum protection with an even tone and no white cast; and a Tinted Body Lotion that delivers a subtle, radiant glow to complement facial makeup, according to the brand. Emphasising skin-friendly, non-aggressive ingredients, Beyond Basic aims to combine science and nature to support busy, results-focused consumers. The brand positions itself at the intersection of premium skincare and daily convenience and has debuted with a direct to customer e-commerce store.
Fashion Network
26-05-2025
- Business
- Fashion Network
Beyond Basic debuts as Indian skincare brand
Mumbai and Los Angeles-based entrepreneurial siblings Heena Shah and Aakash Raj have launched Beyond Basic as an Indian skincare label that aims to simplify modern beauty routines through multifunctional products. The new brand targets both the domestic and international premium beauty markets with a focus on streamlined formulations. 'We created Beyond Basic because we tried an exhaustive range of multi-brand skincare products that felt more like a chore than self-care," said Heena Shah and Aakash Raj in a press release. "Our goal was to develop products that simplify routines while remaining effective and multifunctional." Beyond Basic was created in response to the complexity of conventional skincare, offering solutions that address multiple concerns with fewer products said Shah and Raj. The brand's launch range, titled 'Aloe Berry,' uses soothing aloe vera and antioxidant-rich berries to nourish, calm, and protect the skin. The Aloe Berry collection includes the Aloeberry Moisturiser + Primer, a lightweight hydrator with a soft-focus finish; the Aloeberry Tinted Face Sunscreen SPF 50 PA+++, which provides broad-spectrum protection with an even tone and no white cast; and a Tinted Body Lotion that delivers a subtle, radiant glow to complement facial makeup, according to the brand. Emphasising skin-friendly, non-aggressive ingredients, Beyond Basic aims to combine science and nature to support busy, results-focused consumers. The brand positions itself at the intersection of premium skincare and daily convenience and has debuted with a direct to customer e-commerce store.
Fashion Network
26-05-2025
- Business
- Fashion Network
Beyond Basic debuts as Indian skincare brand
By Mumbai and Los Angeles-based entrepreneurial siblings Heena Shah and Aakash Raj have launched Beyond Basic as an Indian skincare label that aims to simplify modern beauty routines through multifunctional products. The new brand targets both the domestic and international premium beauty markets with a focus on streamlined formulations. 'We created Beyond Basic because we tried an exhaustive range of multi-brand skincare products that felt more like a chore than self-care," said Heena Shah and Aakash Raj in a press release. "Our goal was to develop products that simplify routines while remaining effective and multifunctional." Beyond Basic was created in response to the complexity of conventional skincare, offering solutions that address multiple concerns with fewer products said Shah and Raj. The brand's launch range, titled 'Aloe Berry,' uses soothing aloe vera and antioxidant-rich berries to nourish, calm, and protect the skin. The Aloe Berry collection includes the Aloeberry Moisturiser + Primer, a lightweight hydrator with a soft-focus finish; the Aloeberry Tinted Face Sunscreen SPF 50 PA+++, which provides broad-spectrum protection with an even tone and no white cast; and a Tinted Body Lotion that delivers a subtle, radiant glow to complement facial makeup, according to the brand. Emphasising skin-friendly, non-aggressive ingredients, Beyond Basic aims to combine science and nature to support busy, results-focused consumers. The brand positions itself at the intersection of premium skincare and daily convenience and has debuted with a direct to customer e-commerce store.
CNBC
29-04-2025
- Business
- CNBC
Best life insurance for veterans and active-duty military
If you're in the U.S. Armed Forces, you're offered life insurance from the Department of Veterans Affairs. But that coverage expires when you leave active duty and, in many cases, service members need to supplement it with coverage from the civilian market. Many providers are hesitant to cover military members, given the risks associated with service. CNBC Select has picked the best life insurance for active duty military and veterans, based on cost, coverage options, customer service, availability and other criteria. (See our methodology for more on how we made our selections.) Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent offers a level term life insurance and whole life insurance policies payable for 20 years or until ages 65 or 100. Both include a terminal illness rider at no extra charge. Terms ApplyPacific Life offers term, permanent and no-exam life insurance, with an accelerated death benefit included at no charge. Terms Apply Term, whole, guaranteed acceptance Yes American Armed Forces Mutual Aid Association (AAFMAA) offers life insurance to active duty military, reserves, National Guard, veterans and eligible children and grandchildren. Both its guaranteed acceptance and final expense policy have $25,000 coverage limits. Who's this for? The American Armed Forces Mutual Aid Association, or AAFMAA, is one of only a few insurers that cover active-duty military personnel. Its level term plan is worth up to $800,000, with $10,000 in free coverage for any dependent children under 21. Standout benefits: AAFMAA's guaranteed acceptance supplemental policy, BeyondBasic, can be stacked on top of SGLI, with up to $100,000 of coverage. A 25-year-old non-smoker can buy BeyondBasic for as little as $9 a month. [ Click here for more on AAFMAA ] The best way to estimate your costs is to request a quote No Mutual of Omaha offers term, whole, indexed universal life and universal life policies Who's this for? Intended to cover a funeral and pay medical and legal bills, Mutual of Omaha's final expense policies have generous payouts and age requirements: Seniors up to age 85 (75 in New York) can be approved for a policy worth up to $25,000 without a medical exam. Standout benefits: Mutual of Omaha also offers long-term care insurance to applicants between the ages of 30 and 79, with a 15% discount for couples who enroll together. [ Click here for more on Mutual of Omaha ] Term, whole, universal, final expense Yes USAA has term life policies up to age 70 and $10 million in coverage and whole life policies up to 85 and $10 million. It also offers no-medical-exam plans worth up to $1 million and a final expense policy worth up to $25,000. Add-ons with whole life policies include a waiver of premium rider and up to $25,000 in coverage for a child. Who's this for? USAA has two flexible term life plans: A level term policy with the option to increase coverage at life milestones up to a maximum of $10 million and the no-exam Eagle Express plan, which offers same-day approval for up to $1 million to applicants between the ages of 18 and 60. Standout benefits: USAA will expedite the approval process if you're being deployed and, once you return, allow you to lower your coverage amount. [ Click here for more on USAA ] The best way to estimate your costs is to request a quote Yes Guardian offers a variety of policies, including term, whole and universal. Term life insurance can be converted into whole or universal life policies. Who's this for? While SGLI and VGLI only offer term life, Guardian has exceptional whole life insurance that builds cash value and comes with a host of optional endorsements, including riders for waiver of premium, guaranteed insurability, accelerated death benefit, guaranteed Insurability, accidental death and paid up additions. Standout benefits: Guardian is one of the few providers that lets you convert your SGLI, FSGLI or VGLI plan into a civilian policy without a medical exam. [ Click here for more on Guardian ] Term, whole Yes Navy Mutual's whole and term policies include an accelerated death benefit rider and coverage up to $1.5 million. There are no restrictions on military service, so active duty personnel and even those with a scheduled deployment can get covered. Term life policies are available for up to $1 million in coverage and come with guaranteed convertibility and a child benefit rider for up to $25,000 in coverage Who's this for? Accelerated death benefit riders, which allow you to receive a payout if you're diagnosed with a chronic or terminal illness, typically cost extra. But Navy Mutual includes it for free with both term and whole life policies. Standout benefits: Navy Mutual's whole life policies are available up to age 81 and term life up to age 76. [ Click here for more on Navy Mutual ] When you enlist, you're automatically issued Servicemembers Group Life Insurance (SGLI), a group term life policy worth up to $500,000. Your premiums are automatically deducted from your pay and SGLI remains in force up to 120 days after your release from duty. It can also be paired with Family Servicemembers' Group Life Insurance (FSGLI), which offers up to $100,000 of coverage for a spouse and free $10,000 coverage for any dependent children. After you're discharged, you can apply for Veterans' Group Life Insurance (VGLI), a term life policy with up to $500,000 in coverage that's available up to one year and 120 days after your separation. If you had less than $500,000 in coverage with SGLI, you can increase your VGLI death benefit annually by $25,000 until you reach the maximum or age 60, whichever comes first. Veterans with disabilities are eligible for VALife, a whole life policy that offers $40,000 in coverage to applicants up to age 80. VALife doesn't start to accumulate cash value for two years. Active military personnel are covered by SGLI, but they can also buy a life insurance policy on the private market. Service members can decide if they want coverage and how much the same way anyone else would, says Daniel Kopp, founder of Wise Stewardship Financial Planning and an Air Force veteran. 'Do other people depend on you for income? Do you have debts that may not be discharged in death, like private student loans or a mortgage?" Kopp said. "It's all about goal-based planning.' Service members do have some unique considerations, however: Many private insurance providers are wary of covering military members, especially someone with a scheduled deployment or who is stationed abroad. You may be charged higher rates or even refused coverage. Your best option is an insurance provider that caters to the needs of service members, like Navy Mutual, AAFMAA and USAA. In addition to SGLI, families of military personnel killed in the line of duty have access to a $100,000 death gratuity, college scholarships for their children and Social Security survivor benefits for their partner. "Day One of military separation or retirement, those benefits go away," Kopp said. "And your life insurance needs increase exponentially," Kopp said. You have 16 months after separation to enroll in VGLI, but you might consider a civilian policy instead, especially because the VA-backed plan isn't always the cheapest option. Unlike SGLI and VGLI, however, commercial insurers consider your health status during the underwriting process. Applicants are typically sorted into one of four risk classes: standard, standard plus, preferred and preferred plus. Veterans with minor or well-managed physical or mental health issues can still qualify for the standard risk class. "'If you can at least get into the standard risk class, nine times out of ten, it's going to be cheaper than VGLI," Kopp said. In his experience, VGLI is a better fit for veterans who would have difficulty getting accepted by a regular insurer due to a serious illness or disability. You might start thinking about buying a term or permanent life insurance policy when you're getting ready to transition into civilian life, but Kopp suggests doing it much earlier.'It's not only cheaper to get insurance when you're younger, but there are also fewer health impacts from ongoing military service," he said. You can convert your military policy into a civilian life insurance policy anytime, typically without a medical exam. (You may be asked questions about your health, but you're not required to answer.) Insurers that will convert SGLI or VGLI policies include: Before you convert your SGLI, Kopp advises considering the benefits that come with it: Surviving spouses can deposit SGLI death benefits and the $100,000 death gratuity into a Roth IRA. "It's a powerful planning tool that won't apply after a policy is converted," he said. And often, a converted policy isn't the cheapest option. "The conversion would be cost-prohibitive," Kopp said. Getting your own private life insurance policy as early as possible is likely the cheapest move, he added. If you have trouble getting approved because of an illness or disability, VGLI will still be cheaper than a converted policy, Kopp said. Dating to 1909, Mutual of Omaha issues life insurance in all U.S. states except New York and is a standout for customization, customer service and generous age restrictions. In addition to being one of CNBC Select's top picks for both long-term care insurance and disability insurance, Mutual of Omaha offers supplemental Medicare, mortgages and investment services. Policies: Term, whole, universal, indexed universal, guaranteed issue whole Online quotes for term life: No Limits for term life insurance: Up to $300,000 for term life express coverage [ Return to summary ] The American Armed Forces Mutual Aid Association, or AAFMAA, was founded in 1879 to support families of soldiers killed in the Battle of Little Bighorn. Today, it offers insurance policies, mortgages and wealth management services to current and former members of the armed forces and their families. Policies: Term, whole, universal, indexed universal, guaranteed issue whole Online quotes for term life: Yes Limits for term life insurance: $800,000 [ Return to summary ] USAA was founded as the United Services Automobile Association in 1922 by a group of Army officers. Most of its insurance products are reserved for active duty service members, veterans and their families. USAA life insurance, however, is available to anyone, regardless of affiliation. Policies: Term, whole, universal, final expense Online quotes for term life: Yes Limits for term life insurance: Up to $10 million [ Return to summary ] The second-highest-ranked provider on J.D. Power's 2024 life insurance survey, the Guardian Life Insurance Company of America also offers disability insurance and critical illness policies. Guardian has paid dividends to eligible policyholders annually since 1868, with a record $1.6 billion allocation in 2025. Policies: Term, whole, universal Online quotes for term life: Yes Limits for term life insurance: $5 million [ Return to summary ] Founded as the Navy Mutual Aid Association in 1879, Navy Mutual was originally only open to officers in the Navy and Marine Corps. Today, it offers life insurance and annuities to active duty service members and veterans from all branches of the military, as well as employees of the U.S. Public Health Service and the National Oceanic and Atmospheric Administration. Policies: Term, whole Online quotes for term life: Yes Limits for term life insurance: $1.5 million [ Return to summary ] While active duty military are automatically issued Servicemembers Group Life Insurance (SGLI), veterans must apply for Veterans' Group Life Insurance (VGLI), a term life policy with coverage of up to $500,000. VALife is a guaranteed acceptance whole life insurance plan for veterans with disabilities that pays out up to $40,000. Partners of active duty service members with SGLI policies are eligible for the Family Servicemembers' Group Life Insurance (FSGLI) plan, which provides up to $100,000 in term life insurance and comes with $10,000 coverage per dependent child. Your SGLI policy ends 120 days after your release from duty, but you can get Veterans' Group Life Insurance (VGLI), a term life policy with up to $500,000 in coverage. Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here. At CNBC Select, we work with experts who have specialized knowledge and authority based on relevant training and/or experience. For this story, we interviewed Daniel Kopp, founder of Wise Stewardship Financial Planning and a specialist in financial planning for active duty officers and surviving spouses. Kopp is the operations officer for the Military Financial Advisors Association and served nine years in the Air Force. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of life insurance products. To determine the best life insurance for military members and veterans, we considered more than 10 life insurers, prioritizing those with features that help those who have served or are serving in the armed forces. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. To determine the best life insurance for veterans and military families, CNBC Select reviewed dozens of providers, prioritizing companies with military-friendly policies, including those that were accessible across the U.S., those that would consider military members with an upcoming deployment and that offered guaranteed acceptance for veterans with significant health issues. We considered the amount and type of coverage each company offered, as well as the availability of riders like accelerated death benefits and conversion privileges. Providers that don't penalize active duty personnel with higher rates were weighed more favorably. We incorporated customer satisfaction ratings from J.D. Power, the National Association of Insurance Commissioners and the Better Business Bureau. We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools. Based on that criteria, our picks for best life insurance for veterans and service members are:
