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Update News for July 2016    


Here is a quick run-down on what you will find in this bulletin:

These topics will be dealt with in more detail throughout this bulletin.


Change From Version 6 to Version 7

During July we completed the transition from version 6 to version 7 for our Canadian subscribers. This means we are back to using the same edition of our program for both sides of the border.

The switch to version 7 from 6 in the data files, required a new version 7 engine which is incompatible with version 6 data and visa versa and it appears that our Canadian subscribers affected by the change were able to make the upgrade without incident.


July Was A Busy Month

Most of July was spent converting U.S. products from the old renewal storage structure to the new renewal storage structure. While we have not yet begun this conversion process for Canadian products that are candidates, and while there are only a couple of different company products that will benefit when we do begin that process in August, there will be some benefit for Canadian customers in addition to U.S. customers.

A number of objectives have been achieved with this change:

1.  Reduce the size of data files. Previously the renewal rates for each product were stored with each product. That makes sense unless the same renewal premiums are being used with multiple products, as they frequently are in the United States, and to a much smaller degree in Canada. By placing the renewal premiums into a single shared file it eliminates the redundancy of storing them over and over.

During the course of converting U.S. products from the old to the new renewal data structure we have managed to reduce the footprint of our U.S. data files by over 3 megabytes. Previously the largest rate file was the 20 year term: RATE.D05. At the beginning of July the U.S. file was 1,369,162 bytes long. At the end of July that same file was 749,437 byles long, a reduction of 45%.

To keep things in perspective, 1,369,162 bytes is no longer considered a large file. Many photographs that are taken by modern smart phones produce individual files that are larger than that. Even so, the smaller a file is the better. A smaller file loads quicker, can be processed quicker, can be shipped and received quicker, etc. Further, it means less maintenance when changing and updating products. Most companies, when they change their rates, don't make changes to their renewal premiums. Regardless, we can now check and change a single repository for renewal rates. If there is a change we change it in one place and it is done for all the products that use that renewal. If there is no change, we can focus on the basic premiums that did change.

Once again, there are fewer Canadian term products that operate this way, but enough to still benefit. Further, there has been a more recent trend to this style of renewal in Canada, and it is anyone's guess as to whether more companies will go down that road.

2.  Test and refine the new data storage methods. The system for storing the renewal data is different for what is currently used for the basic products in Compulife, but it is the same system that we will convert those basic products to in the near future. Renewal premiums while important, are less critical and so switching over the renewal premium and the storage structure, and releasing all that to our customers gives us another opportunity to fully test the mechanisms to ensure that they are working properly. If there are bugs in the system it's better to have them with renewal premiums rather than the basic premiums which are the most important and critical to the majority of our customers.

3.  Upgrade the data entry system from DOS to Windows. I know this will sound odd to subscribers, but much of the software that you don't see or receive, the software that we use to enter and maintain data, is DOS based. It's not that important because you don't have to use it. In many ways I still prefer the DOS tools as I can personally work in DOS much more easily. Having said that there are improvements that can be made to the software that we use to maintain the companies and products in our system and those improvements are now much easier to make in Windows. Further, actually using that new Windows data entry software and working with it over and over helps us find ways to improve the functionality and features. Often you don't see possibilities and new ways that you can do things until you are actually working with something day by day. Like most complex mechanisms it takes time to refine the details. That is important as this will be the same software that we use to maintain the basic insurance rates for the new system once we have moved to it.

4.  Simplification of the file structure. All the U.S. renewal premiums that are external to basic products are now contained in a single file called RENEW.000. That file is a mere 187,643 bytes in size. Of course much of that size reduction is achieved from new proprietary data compression/encryption technology designed by Compulife for storage of rates files. This was first employed for the Return of Premium factor tables which are stored in a similar file called ROPFT.000. In Canada there are 3 such files, ROPFT.500, ROPFT.600 and ROPFT.700. These are use in conjunction with the ROP options for Critical Illness products.

Future company product files will be stored in files names RATES.0?? where ?? is the value assigned to the "category" of product.

For example, the current 20 year term products are now stored in two basic files. Those file are:

The number 5 is the value that we use to indicate the 20 year term category. By comparison, the number 3 is used to indicate 10 year term.

Further, and in conjunction with those two files in the U.S. there are 6 more modal premium variations:

In these files the M is for monthly, H is semi-annual and Q is quarterly. The only time we use the modal files for storage is when a company's modal calculation is complex and cannot be handled with a single multiplication or division factor. This is particularly true for no lapse UL products.

In Canada we have not had to use this system of modal premium storage (yet). Having said that, you never know when a situation will require it. We first introduced ROP factor tables in the U.S., and at the time there was no call for that function in Canada. However, when we rolled out the CI quotation/comparison software, the ROP factors were ready to implement thanks to that previous development work for the U.S. market.

When the new storage system is rolled out this winter, those 8 U.S. files will all be combined into a single new file called:

From a maintenance and programming point of view the less files the better. In Canada it means the total number of company/product files will be cut in half, as COMP.D0? and RATE.D0? are combined into a new RATES.00?.

Further, the more we can simplify the code and design of the software the easier it is to maintain and improve in the future. While the pressure for new features and capabilities is not crushing us at the moment, there are a list of many new features that we want to introduce, but are holding those for the new CQS.EXE program file that will be introduced at the same time as we roll out the new data file structure.


Old and New For a While

As we have noted before, the current program GOWIN.EXE will continue to work with the old data files. When the new data files are ready for release, you will also be given a new program that talks to those data files. The new program which will eventually replace GOWIN.EXE, will be called CQS.EXE.

For a period of a few months subscribers will get both versions of the software and we will only abandon GOWIN.EXE and the old data files once we are completely satisfied that all our subscribers are satisfied with the new system.

The new CQS.EXE software will have all the same functionality as the old but the look and feel will change. We are focusing our design ideas in the context of what we know we can and cannot do with programming for the internet. Our long term goal is that the "mobile edition" of Compulife, called "Compulife Basic", will have the same look and feel as the new Windows software so our design will be based upon what we can do on the web.

Having said that, the typical user interface that one encounters on the internet still has significant limitations over what we have been able to create in the current Windows interface that we are using. We do not want to take functionality that we have in Windows and give it up because a web browser is unable to match the functionality or simplicity. Our challenge will be to come up with ideas that will work the same in both but we won't give up some things which our users really like. Here are a couple of examples.

1.   Filing to Pick 12. Currently the mechanism for filing products to Pick 12 is to use the right mouse button on the comparison results. On a touch screen you can alternately touch and sweep right. We have not yet found a dependable method for replicating this function on the web. For that reason we will cling to that functionality in the Windows software and hope that by the time we are ready to introduce the Pick 12 feature to the internet, that browsers will have caught up or that we can come up with an equally simple way to do the same thing.

2.   Entering or selecting a face amount. Currently you can do either on the client screen. If you want to select a face amount you can click the down button and get a list of face amounts. Alternately, you can click in the face amount field and manually change the numbers. We have not seen that combination handled by browsers, it's one or the other; not both.

To summarize, wherever possible the new system design will be browser-like in look and feel until we run up against obstacles that would require us to unnecessarily complicate our current ease of use.


The Web and Windows PC Will Converge

Currently the Windows PC version of Compulife is far more sophisticated than the browser based versions but our long term goal is to make the browser version "Compulife Basic" more and more like the Windows version. We recognize that "cloud based" software is where the world is heading; whether we like it or not.

Beyond the technical aspects and limitations of browser based software, cloud based software represents some marketing challenges. The problem is not having a customer take our cloud based product and put it on the internet so that everyone can use it and no one else feels the need to buy anything from Compulife because they can get it somewhere else for free. Contrary to the thinking of some, Compulife is not a charity and we need to earn a living from our product. Remember, unlike you, we do not earn a living from the sale of life insurance, our revenue comes from the software licensing fees that we change for our software. The objective is to package and price it so it is fair for everyone. With the move to more cloud based product options that will remain an ongoing challenge.


www.term4sale.com Hits 4 Million

During July the term4sale.com website counter crossed over to 4,000,000 quotes/visits. At about the same time the corresponding Canadian counter rolled over 900,000. Not bad really. Given the 10 to one ratio of U.S. to Canadian population, it means that the Canadian version of the site www.term4sale.ca receives about twice as many visitors per capita as the U.S. counterpart.

We will be doing a press release in conjunction with that milestone, and will also talk about the roll-out of the new responsive quoting page at www.term4sale.com once that is ready for release.

Previously, we did a press release when we hit 3,000,000. That release was posted on June 24, 2014:

Term4Sale.com Celebrates 3,000,000 Term Life Insurance Comparisons and Counting

It took a total of 366 months to do the first 3,000,000 quote/visits, which is an average of about 122 months per million. By contrast, the last 1,000,000 visits/quotes took 25 months, which is an average of 40,000 per month. Needless to say, the pace of visits is steadily picking up and we are seeing that from our monitoring of the site using Google Analytics.

And when we review Google Analytics for the Canadian site, versus the U.S. site, we are receiving many more visitors there (per capita) than the U.S. While the counters are roughly 4.5 to 1 currently (U.S. versus Canada), last month the ratio for visits during the month was closer to 3 to 1.