A number of U.S. life companies quickly responded with their health category underwriting criteria. We would like to thank those companies for their assistance. We believe that others will follow.

Having had an opportunity to review over a dozen examples, we have decided to break the Health Analyzer development into two stages. The first stage will analyze the following areas:

Smoking/Tobacco Use
Height/Weight Tables
Blood Pressure
Cholesterol

The second stage of the development will add the following areas:

Driving History
Family History
Hazardous Sports and Occupations (including pilot)

This will allow us to introduce the feature much more quickly. The reason is that the first four areas of analysis are handled much more consistently by life companies. I am referring to the way that companies table and define that information. Building a data storage model for the first four areas is a relatively simple task and we can complete it quickly.

By contrast the information related to the second group is handled less consistently. Some companies have complex information and criteria while others have simple information and criteria. In each case the challenge is to come up with a comprehensive questionnaire and database to encompass all possibilities. With respect to the second group of categories, we will need a much larger sample of different companies' data before we finalize the design. That means we will need time for more companies to become involved which adds a natural delay to the process. By leaving this to the second stage, it allow us to get you the first stage more quickly.

Last summer Compulife made some inquiries into adding a PDF file generator into our software. Our contacts with Adobe, maker of the widely used "Acrobat Reader", left us with the impression that the ability to create PDF files was the exclusive domain of Adobe which required their Acrobat software (not the free Acrobat reader). Having asked about bundling the Acrobat program into our software, and hearing that the total cost would be over $150 per subscriber, we decided to drop the idea. We felt that the best solution for customers who wanted that capability was to go ahead and purchase the Adobe product themselves.

That option remains good advice for many subscribers simply because the Adobe program is set up on your computer as a "virtual printer". This means that ANYTHING you normally print can be instead sent to an Adobe PDF file then e-mailed to anyone you want. That is a particularly elegant solution that makes the process of creating Adobe files consistent with ALL programs that you use, not just Compulife.

Having noted that, it has come to our attention that there are third party software products which can be integrated into our program and which will allow you to generate PDF files from within Compulife. The cost is flat meaning that we will be able to do so at no additional cost on a per customer basis. As a result we have moved forward on that project and have selected a third party product which we think does a good job. The work on integrating the software is almost complete. We should have the PDF file generating capability added to our program for one of the first mid-month updates in January. Providing that there are no serious problems with it, the .PDF file generator will be released in our February monthly update.

Compulife does not maintain a database of "Term4Sale - Agent Edition" customers. When a Term4Sale - Agent Edition subscriber gets to the end of their subscription, Compulife does not automatically invoice them for a subscription renewal.

The newest version of our Windows program now automatically alerts a "Term4Sale - Agent Edition" subscriber, 60 days prior to the end of their subscription, that the subscription is about to expire. It asks if the subscriber wants to print an order form/invoice. Once that is completed, and once that is sent to Compulife with a check, a new "Internet Master disk" is issued. Once the new disk is installed, the Compulife program will not remind you about the subscription expiration for another year.

Another change is that "Term4Sale - Agent Edition" subscribers will not be able to run the program 30 days after an expired subscription. Subscribers to the full Compulife program, whether personal use or agency use, can continue to run the software beyond the expiry date. The 30 day expiration only applies to the less expensive "Term4Sale - Agent Edition".

We are working on strengthening our Multi-Life option. As many of you will recall, it was not long ago that we introduced the product family improvement to our Windows program. Product family means all premium categories can be accessed from a single product display window. You can further adjust this by double-clicking on a product in a comparison and then clicking the "Rate Category" button found in the top right hand corner of the single product window.

In DOS the program functions the way it always has. The preferred plus premiums are stored in a separate product entry from the preferred premiums. Because of this, the DOS "rate category" option can only access premiums within that specific product entry. This is a key shortcoming in the DOS version of the program.

The fact that we use multiple product entries to include all product categories also created a limitation when doing multi-life quotes. If you attempted to combine a preferred plus non-smoking male with a standard smoking female, the DOS program could not mix the two because the best rates for the two individuals were in two different product entries. Instead of getting a preferred plus rate for the male, the best that the program could quote was a preferred rate.

This limitation is being removed from the Windows program. The coming version of the Windows program will be able to go into the product family (possibly multiple product entries) and "cherry pick" the best possible rate for each person and combine the premium. When the combined results are displayed in the comparison, you will be able to further fine-tune categories by double-clicking on a specific product. This will display that product in the single product window allowing you to see total premium or premiums for each individual. With the individual product displayed, you will be able to use the "Rate Category" button to fine-tune the premium category for each life. Once that is finished, a new total premium schedule will be displayed and in the single product window. You can then print the multiple life quotation for that product getting the exact premiums that you want.

This feature is quickly nearing completion but we intend to hang on to it until the next step is completed.

Currently Pick 12 contains the premiums for one person. When this next development step is completed, Pick 12 will have the ability to display the total premiums for two people. You will also be able to view and print the individual premiums for each of the two people.

Once this new feature is completed, this Multi-Life improvement will be released.

These features will appear in the Windows version of the program. We have no intention of implementing these features into the DOS program.

We are repeating our reference to this special offer for agencies because no one has taken us up on it. Here it is again. If you are an agency that wants term quotes for your website, you need to read this carefully as it is an attractive offer for someone that wants to do a little leg work for us.

Compulife has introduced a new Internet-based quotation system for agents. The system is currently marketed through two of our authorized Internet providers. For full details about the service and fees, please visit the www.compulife.com website. Details are in the September 2002 monthly bulletin.

One of the things that we have been hearing from agencies, who want to provide quotation and comparison services on-line, is that they would also like to have a library of life company applications and forms. One of Compulife's authorized web providers, "Insurance Squared", is anxious to provide that "forms" service. Unfortunately initial requests to life companies have met with less than an enthusiastic response. That's where this special offer can help you if you can help Insurance Squared.

We believe that MGA's have more power of persuasion when it comes to this issue. Therefore, if your agency is the first to assist Insurance Squared in obtaining the applications and forms for 6 life companies, your agency will receive a free year of the new Internet comparison service for your agents.

A second agency can also qualify for a free year of service. If the second agency can provide forms for an additional 6 life companies, that agency will also receive a free year of the new Internet comparison service for agents. (NOTE: If the first agency is first to provide 12, it will receive a 2 year free subscription to the on-line system).

A third free year of service will also be awarded to the third agency which can add 6 more unique companies to the forms library. (NOTE: If the first agency is first to provide 18, it will receive a three year free subscription to the on-line agent system. If the second agency is first to provide 12, it will receive a two year free subscription to the on-line agent system).

To qualify Insurance Squared needs more than just the .PDF forms. Insurance Squared needs the forms provided by the Home Office with the understanding that the Home Office will keep Insurance Squared updated with new forms when they change. Alternately, the Home Office can provide Insurance Squared with access to the life companies forms library with the understanding that the forms can be downloaded and saved to the Insurance Squared website.

While this may entail some effort by the Home Office, we believe that the benefits are clear for the life company, the agency and the agent. We believe it will take a pro-active MGA to get that message across.

If you would like to see Compulife's new on-line quotation system for agents, give Bob Barney a call at (800) 798-3488. If you would like to discuss providing forms and qualifying, please call Glenn Cooke at Insurance Squared, (866) 662-5433.

For those who update by Internet, Compulife has gone to great lengths to provide you with redundancy in our websites. Our main website is:

However, we keep another completely separate website, on a completely different server, in a completely different country, at:

Whatever we update to compulife.com, we also update to compulife.cc. If one website goes down, for whatever reason, the other is ready to serve you. That includes both monthly and mid-month updates.

For those doing monthly updates by Internet, we rely on three other websites to supply monthly updates. These are automatically checked and used by our automatic Internet update software.

For those not wanting to return disks there are two ways to eliminate the problem.

1. Switch to obtaining monthly updates by Internet.

Not only will you eliminate the expense and hassle of returning disks, you will save $80 per year in subscription fees.

To switch to Internet monthly updates, go to our webpage www.compulife.com and select the last menu choice "Forms, applications, instruction tutorials, etc." Under the section "License Agreements", the third license is the "Internet Update Endorsement". Print the endorsement. Once you have it, please read it carefully, especially the part where you agree that you have successfully downloaded and processed our "mid-month updates". If you haven't done that before, call us and we'll be happy to take you through the procedure. It's easy.

2. Disk Purchase Program

The other way to avoid returning the disks and the disk box each month is to pre-purchase them for $21 per year ($1.75 per month). Once you do that you can keep them for future reference, throw them away or return them for a credit (once each year) when you are invoiced for the following year. $21 costs you less than mailing back disks each month.