We plan to post the December 2003 Internet monthly update to our five monthly update websites on Thursday, November 27th.

The November 2003 disk update will be processed Wednesday, November 26th and Thursday, November 27th.

Disks will be shipped Thursday, November 27th. You should have the November Update in your office by Monday, December 1st. Unless you have made arrangements to purchase your diskettes, please return your October disks ONLY AFTER you have successfully installed this November 2003 Update. October disks are your backup in case you should have problems installing the November edition.

IMPORTANT NOTE: Subscribers who are receiving disks can save up to $80 per year by switching to updates by Internet. Please read the last part of this bulletin for complete details. Don't wait for your next subscription invoice to make the change. Compulife will bonus your subscription renewal deadline for switching from disks to internet.

VERY IMPORTANT NOTE: For disk update subscribers renewing after January 1, 2004 the annual subscription price for receiving monthly updates by disk will be $20 per year higher. Prices for internet updates will be unchanged, and will be $100 per year less than disk updates.

All customers to the full version of Compulife have BOTH DOS and Windows versions of Compulife already on their computers. We believe that the Windows version is what you need to be using. For the past 5 years our Windows software has gotten the vast majority of our development attention and it is now the far more powerful version of our software. It is only our commitment to the wishes of existing software customers that keeps us from just bringing the DOS product to an end at this point.

We have not been moving the DOS software forward due to the complete absence of demand for DOS programs. While a number of our existing subscribers use the DOS software and love it, they are the ONLY people who want to use our DOS software.

If you don't know how to run the Windows version call us at 800-567- 8376 or 800-798-3488 and we'll help you to get started. There are also tutorials on our www.compulife.com website under the last option: "Forms, applications, instruction tutorials, etc."

Once again, if you are using the DOS version you are missing out on important features and capabilities. Eventually, the DOS version will cease to exist; but not yet.

Compulife has now discontinued Compulife Lite. Those of you who have been receiving Compulife Lite by disk are now receiving the full Compulife program on disks. This is a free upgrade until the end of your Compulife Lite subscription. If you wish to renew and receive disks you will need to pay the higher disk edition prices.

Compulife Lite subscribers are receiving a special letter explaining some very attractive upgrade options. If you are a Compulife Lite subscriber, and have missed seeing that letter, contact us immediately at 800-798-3488.

Disk edition prices have been increased by $20 per year for new customers. As previously announced, the new prices are not effective until January 1st for existing subscribers.

We hope that most subscribers will take advantage of the significant discounts offered to those who obtain updates by Internet.

One of the difficulties that we have run into with Internet updates is the problem of people moving and not advising us of their new address. This means when we send out the renewal invoice, it doesn't get to the subscriber.

Currently the "Term4Sale - Agent Edition" generates its own invoice and we have decided that we are going to allow the full version of Compulife and the trial versions of Compulife to do the same. We will still manually invoice each subscription renewal, but in the event you do not get that renewal, the system will be able to generate the invoice for you.

It should be noted that there will be a further enhancement to the refile option that is not yet functional. If you use the Health Analyzer, the program will refile the least expensive premium rate class for the product, which is available based upon the health criteria that you entered.

To go with that coming option will be a "Health Class Report" which will explain what classes were rejected by the program and the reasons why they were rejected. If the health criteria for that product was not provided by the company, the system will still pick the lowest premium available for the class selected. The health analysis report will indicate that health analysis was not performed for that company/product.

In July we introduced a new version of our program which offers a number of the new options that we had been promising. With that completed we are now moving forward with implementation of our multi- life quotes for up to 5 people.

Progress on those improvements was slowed by the introduction of new comparison categories for our U.S. subscribers. With that completed, work again will re-focus on the 5 life comparison.

Some companies permit a discount for husband and wife when they buy policies at the same time, while others do it also for business partners. Many that allow the discount for business partners will allow the discount for more than 2 partners and so the multi-life comparison button for non-spouse will eventually ask how many clients to do the comparison for and give the total premiums for that group. You will be able to file that group of 2, 3, 4 or 5 individuals into the Pick 12.

Once this function is completed our multi-life option will be completed.

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.us or 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.