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Update News for June 2014    

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.

DRAFT PRESS RELEASE hits 3,000,000 comparisons

Sometime in June will hit 3,000,000 visitors. The Canadian site has now exceeded 650,000 quotes. When you consider that the U.S. has 10 times the Canadian population, and that the Canadian site does about 22% of the volume of quotes as the U.S., Canadian traffic is extremely good.

We believe that the occasion of 3 million warrants a press release.

The following DRAFT PRESS RELEASE speaks for itself, but we would welcome any comments or thoughts you might have before we finalize and release it.

Term4Sale Listing Changes for 2015

As background, neither or were intended to be a major revenue generators for Compulife. The purpose of the sites was to add value to a subscription to Compulife. Being listed on the sites was intended to be one more benefit that Compulife subscribers have because they subscribe to our software. It is our hope that every agent who subscribes makes a sale or two because of

In the early going we allowed agents to buy additional postal codes to broaden the number of areas in which agents are listed. That number has been rising and so we want to make changes that will tend to make it easier for all subscribers to have a benefit from the software, but to still allow those who want to buy additional postal codes, the ability to do so.

Therefore, the following changes will impact the maximum number of term4sale listings that a subscriber can purchase. The change we will be making for 2015 will impact a minority of our subscribers, those who buy a large number of postal codes. Once again, the purpose in making the change is to try to ensure that more subscribers benefit from the listing service.

Buying additional postal codes is a little like buying additional properties on a Monopoly board, or putting your money down on additional spots on a roulette board. However, because the consumer is ALWAYS given 3 agents names, and because we will go to nearby postal codes to fill the list, the total number of listings does impact how many hits any one postal code can expect to receive.

For example, if we had 2,000 postal code listings, you can expect those listings to produce fewer contacts than if we reduced the total number of listings to 1,000. The same volume of consumers would be shared by a smaller group of listings. That impacts the individual agent who has 2 listings (for free) much more than it impacts the agent with 20 listings (2 free, 18 purchased). By reducing the total number of listings, the agent with 2 listings has a greater chance of being connected to a consumer buying a life insurance policy.

Based upon our data for the past few years, we expect on average that you would receive one email contact from a consumer per year, for every 3 postal codes that you have. That does NOT include consumers who simply call you, and we know they do because some call us, at which point we give out phone numbers of the 3 agents.

Our previous "cap" or upper limit of postal codes per subscriber has been 80. That currently represents about 6% of the total listings. That cap will be reduced for 2015 to 25. Before anyone with more than 25 panics, there are ways for the subscriber who still wants 80, to keep 80, it will simply cost more.

First, the upper limit for a "personal use subscription" ($149 per year) will reduce to 25. That's it, that's the limit for a $149 subscription.

Second, the upper limit for a "standard license subscription" ($299 per year) will also reduce, but to 50. We will allow 1 more multiple of 50 through the purchase of "standard sub-licenses" at $199.

If you are an individual agent with 80 listings, and you want to keep 80 of those listings, you can buy a standard license, and 1 sub user licenses, for $299+$199 for a total software license fee of $498. That will also permit up to 10 machines in one location, or 5 machines in 2 locations. That will allow you to renew you 80 codes, or increase them to 100.

The good news is that the standard license will still receive 3 FREE postal codes with the subscription, and so the agent who buys the 2 licenses to get 100 listings, will also get a total of 6 free listings. Remember, free listings can BUMP paid listings.

NOTE: Free listings are included in the totals and so if you want 100 listings, you will get 6 free and can buy 94 additional.

Here's some very good news for Personal Use Subscribers. For 2015 we will increase the number of your FREE postal codes from 2 to 3. And as noted, FREE postal codes can bump paid postal codes. For those of you who do not buy postal codes, that's more opportunity for a sale.

And because paid postal codes are $12 per year, that means that a personal use license will include $36 worth of listings for 2015.

The goal in making these changes is to ensure that each and every subscriber to Compulife, has some tangible benefit from the website. In a perfect world (from Compulife's point of view), we would not have ANY paid listings. Rather, we would have subscribers in every postal code, ready to assist consumers who use

Understanding Updates

We routinely get asked about how updates work, and so we thought this review would be helpful.

There are two basic types of updates to Compulife's software:

Monthly updates are a fresh version of our software which is posted at the beginning of each month. When you get to the beginning of the month, your software is set up to require/need a monthly update, and the update contains a complete new copy of all the files that make up the Compulife program.

Monthly updates hail back to the days when we shipped updates on diskettes. Each month our subscribers got a box is disks, and they used those in place of the previous month's box of disks. They then mailed the box back to us. Once again, that was a monthly routine.

Once a significant number of our subscribers were on the internet, and once internet speeds we sufficient to allow updates by internet, our subscribers had the option of getting monthly updates by disks or internet. Once everyone was on the internet, we ceased shipping disks and all customers get updates by internet.

Midmonth updates are incremental updates. If a product or rate changes during the month, we will post an update that adds only those files necessary to amend our latest monthly update and add the change or new information.

The biggest misconception is that mid-month updates only occur once in the middle of the month. NO, that is not the case. A mid-month update can happen ANYTIME during the course of a month, and we have had as many as 3 different mid-month updates on the same day. We try to turn important changes around as quickly as we receive them.

We have stuck with the monthly update logic simply because it is a nice cut off point for subscription renewals. For example, if you have paid to the end of September 2014, you will be able to use the software right through the entire month of September. What you will not be able to do is get and use the November 2014 edition of the software until you have renewed. Again, the mechanism that controls all that has been in place for years and it's just been too easy to just keep running it. And after all, our biggest update is the monthly update, and it's still only about 12 megabytes of compressed data, which today is the size of one high quality photograph. In a world that uses gigabytes of data, we're the angel that dances on the head of a pin.

Wonder why Compulife is so fast? That's your answer. And if it ain't broke, don't fix it.

Status Report - Improved Company Information

We almost had the new company information ready for release in May, but several additional changes/improvements meant we missed our objective. Look for the new feature in one of the first midmonth updates in June.

And then it's on to a new feature that we won't be talking about until we actually introduce it. You will like it, as many have asked for it.