U.S. Update News

August 2003

COMPULIFE Software, Inc.

We plan to post the September 2003 Internet monthly update to our five monthly update websites on Tuesday, August 26th.

The September 2003 disk update will be processed Tuesday, August 26th and Wednesday, August 27th.

Disks will be shipped Wednesday, August 27th. You should have the September Update in your office by Friday, August 29th. Unless you have made arrangements to purchase your diskettes, please return your July disks ONLY AFTER you have successfully installed this August 2003 Update. July disks are your backup in case you should have problems installing the June 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 full 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.

Term4Sale - In the News

If you visit the www.compulife.com web site you will find a link to a web page called "Term4Sale - In the News". As various news organizations publish stories that involve the term4sale web site, we post links at the site.

Last month Compulife president Bob Barney was interviewed by CNN with respect to the coming 2001 CSO tables. The majority of states are slated to introduce these new tables in January 2004.

The resulting CNNfn news story ended up being almost 4 minutes in length and we very pleased with its message and content. A windows media version is available for viewing at the above mentioned "Term4Sale - In the news" web page. Term4sale received a very honorable mention and for a couple of days after the segment aired we could see the traffic counter roll faster.

Are You Listed at www.term4sale.com?

Please remember that each subscriber to Compulife is entitled to one free listing at the www.term4sale.com web site.

IMPORTANT: You are NOT automatically listed at the site. You must request your listing.

We do not assume all subscribers want to be listed because we know that there are those who do not want to be listed, for a variety of reasons. Therefore, please check to make sure you have a listing if you want to be listed.

At some point we plan to add some testimonial letters at our www.compulife.com web site where you can see the favorable experiences a number of our subscribers have had by being listed. While no one is inundated with telephone calls, a consumer calling a Compulife subscriber is generally a pretty good insurance prospect. Some agents have called to say they have sold sizable policies.

Improvements to www.term4sale.com

Last month we told you about the coming improvements to the www.term4sale.com web site. During July we implemented those changes and to announce the new features we published the following press release:

Improvements available to Subscribers

Compulife subscribers who use our Internet technology through our authorized web providers can also implement these new features. A new version of our Internet engine has gone out to our web providers and we would encourage you to contact them if you would like to activate the new options for your web site.

If you have a web site but don't have live term quotes we recommend you give it some serious consideration. Our web providers typically charge between $99 per year to $15 per month to hook up your site to a customized version of the Compulife internet term quote system which includes a customized grouping of your particular life companies.

If you don't have a web site you will find that our authorized web providers offer complete sites including domain names, web pages, hosting and on-line term quotes for as little as $299 per year.

Agents who don't have web sites run the risk of looking like dinosaurs and with prices for sites this low, there is simply no reason not to have a basic site. The nice part of the customized on-line term quotes is that your site can also offer a powerful service to consumers for no extra money.

Out With the Old...

Effective July 1st Compulife cancelled its referral program which allows an agent to receive 6 free months of Compulife by referring a new customer. There were two reasons for doing so.

First, Compulife's new advertising campaign will focus on paying a prospective customer $5 just to TRY our software. Full details are now available at our website www.compulife.com.

The idea was sparked by an automotive marketing program where dealers were offering people $10 to test drive a vehicle. I liked the idea and wondered how we could use the concept to attract attention to the Compulife program. The problem was if someone asked for a trial, how did we know they really tried it?

In response we came up with a way for the trial user to demonstrate they had "tried" the program. If a first time trial user completes a simple 5 minute exercise, within 5 days, then we pay the $5.

More important, if the trial user buys Compulife within 5 days of that, they can take a 25% discount in price. A number of agents have already acted on this offer even though our print ads have not yet appeared.

Second, we are introducing a new program for our authorized web providers who have been the source of a number of new customers for Compulife. We believe that our authorized web providers can benefit from a more aggressive marketing program that gives them more opportunity to add customers for their web services. Further, we didn't want their offerings to conflict with our new $5 test drive program, and so we needed to eliminate the possible overlap.

NOTE: Compulife will continue to honor the previous referral program for the small number of individuals and organizations who had been the source of multiple referrals of new customers. However, if the referred agent acts on the $5 promotion, and also takes the 25% discount, then the referral credits to those individuals and organizations will be adjusted accordingly.

... In With the New

There is little doubt that agent and agency use of the Internet will grow in the years to come. It is Compulife's intention to be an aggressive and key player in the evolution of the Internet insurance market and we hope to help our authorized web providers to be the most successful players in that market.

The backbone of Compulife's offerings on the Internet is our "Authorized Web Provider" program. Authorized web providers are organizations who offer internet hosting services targeting the life insurance community. This new program will enhance their position.

Internet Starter Program

Until now Compulife did not permit agents who purchased the Compulife "Term4Sale - Agent Edition" to have access to on-line comparisons for their website. This will change new, first time personal use agent customers of Compulife.

Effective immediately, anyone who is a first time subscriber to Compulife may purchase the Compulife "Term4Sale - Agent Edition" for only $99. Having done so, they can have the Compulife internet quote system connected to their web site by one of our authorized web providers. The following are the four authorized web providers listed at our website:

Insurance Squared

Budget Life



Just a Start

The reason we refer to this as the "Internet Starter Program" is because at the end of the initial "Term4Sale - Agent Edition" subscription, the Compulife subscriber must renew and upgrade to the "Personal Use Edition" of the full Compulife program at the going price (currently $199 per year).

For those who say "I knew there was a catch", here's the catch breaker. The offer is good until the end of the INITIAL "Term4Sale - Agent Edition" subscription. That initial subscription can be up to 5 years in total duration.

And that's even better news. Each additional year added to to the "Term4Sale - Agent Edition" subscription is at only 50% of the first year price. A one year subscription to "Term4Sale - Agent Edition" is $99 but a two year subscription is only $149 ($50 more). Here are the subscription periods available:

One Year Subscription - $99
2 Year Subscription - $149
3 Year Subscription - $199
4 Year Subscription - $249
5 Year Subscription - $299

This isn't a catch, it's an opportunity to save.

It Pays to Be a Subscriber

Existing "Term4Sale - Agent Edition" subscribers will not be disadvantaged by this new authorized web provider offer. If you act now, before paying your next renewal to the Term4Sale agent edition, you are permitted to contact an authorized web provider and have your Internet website added immediately.

MORE IMPORTANT: Your next renewal will be treated as if you were a first time subscriber to Compulife. You can go ahead and renew for a new one to five year period, and you can continue to have Compulife's internet comparisons on your website. At the end of that subscription, just as for those who purchase the "Internet Starter Program", you must renew as a Compulife personal use subscriber in order to maintain your web comparisons.

Multi-life for Up to 5 Individuals

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

As we have noted before, some companies allow the discount for husband and wife but not for business partners. Many that do allow the discount for business partners will allow the discount for more than 2 partners. The multi-life comparison button for non-spouse will eventually ask how many of the clients to do the comparison for and give total premiums for that group. And yes, 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 wrapped up.

Dueling Websites

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:

www.compulife.us     or     www.compulife.cc

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.

Returning Monthly Disk Updates

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.