Update News for August 2023

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

• • Mid-August Invoices For October – New Prices

  • Changes for Term4Sale Listings

  • New Local Postal Code Rules

  • Additional Postal Code Price Increase

  • New “Bonus” Postal Code

  • You Need To Switch NOW!

  • NOTHING Happens Until YOU Take Action

  • The Postal Code Warranty Remains “As Is”

  • Our Current Programming Plans for 2023

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

Mid-August Invoices For October – New PricesFor the past couple of months we have been alerting you to the price increases that will take affect at the beginning of September. You can read about that in our previous bulletins which you will find here:

We have also been telling you how you can still purchase at the old prices, and how you can lock in the old prices for up to 3 years. Once the new prices are published on our websites, at the beginning of September, the opportunity to take advantage of the old prices will be gone.

Changes for Term4Sale ListingsDuring July an issue was reported to us by a new subscriber who had read this on our website:

On that page we were still talking about free local postal codes which we have not offered for a number of years. As I was making corrections to that web page I realized that we have NOT changed Term4Sale listing prices for a number of years. That solidified in my mind the price change we are introducing for 2024.

GOOD NEWS:   There is NO price change for local postal codes. They will remain $12 each per year.

MORE GOOD NEWS:   We are increasing the number of local postal codes that each subscriber to Compulife can purchase.

READ CAREFULLY – you do not get the additional local postal code(s) unless YOU SPECIFICALLY REQUEST them.

New Local Postal Code RulesTo purchase postal codes you must be a subscriber to the PC software. We require that those participating at Term4Sale have access to the most powerful quoting tool that Compulife offers – the PC software. A “Mobile” edition of Compulife does not have the features and capabilities of the PC software. The Mobile version is less expensive because it does less. Once again, we want our Term4Sale listed subscribers to have the use of the best software that we provide.

There are two PC variations of our software. Both offer the same features, but one is for an individual agent at a price discount (Personal Use Edition) and the other is for an agency (Standard License).

If you are a Personal Use subscriber, then you can may purchase up to 4 local postal codes for $12 each. Previously you were limited to 3.

If you are a Standard License subscriber, then you can purchase up to 8 local postal codes for $12 each. Previously you were limited to 6.

KEEP READING:   You must act in order to take advantage of this new offer. If you do nothing, then you will have what you had before.

Local postal codes are invoiced with your subscription to Compulife. The local postal code renews at the same time as your subscription to the software, for as long as you renew the subscription. You are allowed to pay for a local postal code for multiple years, which allows you take advantage of the 2 and 3 year discounts (currently 10 and 20 percent respectively). This is permitted because you can NEVER lose your right to own a local postal code providing that it is within 30 kilometers of where you are located.

IMPORTANT:   NO ONE can bump you from a local postal code that you own, which is within 30 kilometers of where you are located.

NOTE:   For rural areas we will extend the 30 kilometer radius, but we do so ONLY on careful examination of the area using the:

Additional “Paid” Postal Code Price IncreaseAdditional “paid” postal codes are postal codes that are purchased over and above your local postal codes. The price for those additional “paid” postal codes will be increasing from $15 per year to $18 per year. The new price will be effective with the mid-November invoices for 2024.

This represents a 20% increase in price, but given that we have NOT increased our prices for a number of years, we think that increase is reasonable.

The ability to have MORE local postal codes will help offset the cost of this for subscribers that do NOT have large numbers of additional “paid” postal code lists.

Personal Use subscribers are limited to only buying 75 additional postal codes. With the ability to buy 4 local postal codes, this give the personal use subscriber a maximum of 79 postal codes.

Standard License subscribers have the same limit of 75 additional postal codes, but with the ability to buy 8 local postal codes, they have a maximum of 83 postal codes.

The price change will be incorporated into the renewal invoicing in mid-November. As happens each year, you will have until early January to pay those renewals before you lose the postal codes that you do not renew.

As a result of the price increase we fully expect a number of subscribers to reduce the number of paid postal codes that they have and we think that’s a smart move. You should carefully examine which of your postal codes have performed well over the past years, and which have not performed as well, and thin the herd.

We want you to thin the herd because we have a problem. Most of the good postal codes are unavailable to new customers, except for local postal codes where than can bump out those subscribers listed with “additional postal codes”. As always, once you purchase an additional postal code for the year, that postal code is unavailable to anyone else during that year. New subscribers can bump you from your additional postal code, but they can only do that at the end of the year, for the following year, and they can ONLY do that if they are within 30 kilometers of that postal code.

For those wanting to keep buying all the postal codes that they can, we have another way you can get some price relief and still take advantage of the price discount ($12 instead of $18 or $24) that is provided for local postal codes.

New “Bonus” Postal CodeAs a result of increasing the number of local postal codes, we have decided to great a third category of postal code called “bonus”.

A bonus postal code is the SAME price as a local postal code but it is for those subscribers who want to use that postal code OUTSIDE their local area. This is a particular problem for those customers buying multiple licenses, in order to access multiple postal codes beyond our usual limits for a single license.

After discussing this we still want to give you some protection when you have a “bonus” postal code. While you can ONLY bump others from your local postal code using a local postal code, you also CANNOT be bumped from a local postal code in which you are listed with a local postal code.

A “bonus” postal code will NOT let you bump, but if you have a “bonus” postal code, then we will give you the protection of a local postal code over and above those in that postal code who are purchasing that postal code as an additional “paid” postal code.

Example:   If there are three paid listings in one postal code currently, and your are one of those “paid” listings, then you can switch your paid listing to one of your “bonus” listings. That does two things for you. First, it means you pay $12 per year, not $18 per year. Second, we will protect your bonus listing and it can ONLY be bumped after the two other additional “paid” listings are bumped before you.

Local postal codes are still better than bonus postal codes. If three people in a postal code all have bonus postal codes, then a local postal code can then bump a bonus postal code. If you lose the bonus postal code because of a bump, you can switch it and replace another of your paid listings with that bonus postal code status.

You Need To Switch NOW!If you currently have additional paid postal codes, you need to switch them to “local” or “bonus” postal codes NOW. This is on a first come, first served basis.

You especially need to do this BEFORE the November bumping occurs, to provide maximum protection to your most important postal codes.

If you do NOT have your maximum number of local (or basis) postal codes, you change that ASAP.

Bumping occurs in the first week of November, the week beginning with the first Monday in November. This year bump week will begin November 6th. During bump week you can use a local postal code to force your way into a local postal code that is currently “full”. A postal code is full where it has 3 subscribers listed in it.

IMPORTANT:   If a postal code has 3 subscribers, and each of those subscribers is listed as “local” in that postal code, the postal code is permanently locked out unless and until one of those subscribers no longer renews that postal code. It is important to stay vigilant and review your lists from time to time because subscribers do let postal codes go because they die, retire or stop subscribing.

This year, if you are paying attention, you have access to one or two more additional local (or bonus) postal codes and so EVERYONE should be bumping. We recommend that you mark bump Monday on your calendar – first come first served.

Once again, if you have a postal code in which your are listed as “local”, and it is within 30 kilometer of your location, then NO ONE can remove you from that postal code. If your local is outside the 30 kilometer radius, it would be the last to be moved from a postal code that has other “additional” postal code listings.

Over time bumping has become more rare because most subscribers have already maximized the benefit of their current 3 or 6 local postal codes. With the addition of 1 or 2 additional local postal codes, everyone buying postal codes will be able to bump again this year.

NOTHING Happens Until YOU Take ActionFirst, you MUST ACT to take advantage of this expanded local (or bonus) postal code opportunity.

If you have been purchasing “additional postal codes”, then the first thing you need to do is to identify which of your additional postal codes that you want to convert to local.

IMPORTANT:   We will NOT convert your additional postal code UNLESS you contact us and ask us to do so.

We recommend that you do this immediately. There is no upside to waiting. Send an email to:

Tell us you want your current list of postal codes. That list will identify all your postal codes, and will also identify which of your postal codes are local. Once you get that list, pick the VERY best additional postal code(s) that is local to you, and tell us to re-list that as local. That postal code must be 30 kilometers or less from you in order for it to be protected from bumping. If you want to use that postal code outside your local area, we will make it a “bonus” postal code.

In addition to the renewal of that postal code dropping in price to $12, we will consider that NEW local postal code “paid” to the end of your current subscription. If you have pre-paid your subscription for 2 or 3 years, we will consider that new local listing also paid for 2 or 3 years – no additional charge (that’s an additional benefit)

Second, you need to call us the week of November 6th to make sure that new local postal code(s) is in the best postal codes in your local area (30 kilometer radius). Now that you have a 4th (or 7th and 8th) local postal code, you will want to leverage those into the best postal codes that you can get, postal codes that may not be currently available because they are currently full.

The Postal Code Warranty Remains “As Is”Our postal code warranty remains 3 for 1. What we mean by that is that if you have 3 postal codes, we guarantee that you will have one email contact per year. If you have 30 postal codes, we warrant 10 email contacts. That warranty does not change.

If you do NOT achieve your warranty results, you will get a credit for the following year that is in proportion to your results. For example, if you have 30 postal codes, and get only 5 email contacts (we warrant 10) then you can keep all 30 postal codes for the following year, but only pay for 15. Credits are issued at the end of the year, after we do an audit of your results. The audit must be requested by the subscriber.

Note:   This warranty has just gotten better because of the new 4 and 8 local postal code change.

Because of the way we round this warranty calculation, if you ONLY have 3 local postal codes currently, and you do not purchase or have any additional postal codes, then you would be crazy to not add a fourth local postal code. Why? Because we always round the warranty in your favor.

if you increase from 3 to 4 local postal codes (which is one over the three), we will now warrant that you get two email contacts from those 4 (we round 4 up to 6 for the warranty calculation). If you only get 1 email contact, then 3 of your 4 postal codes would be free the following year (you would pay $12 instead of $48 for all 4).

In essence the combination of the new deal and the warranty, for those who ONLY buy local postal codes, just got a LOT better.

Of course it doesn’t get a lot better unless you add that 4th (or the 7th and 8th) local postal code(s).

And none of this happens unless you take action.

Our Current Programming Plans for 2023The following is the current order for new work that we will be doing in 2023:

• • Introduction of New PC Version: CQS.EXE

• • Overhaul Of Current Product Data Files

• Introduction of Compulife Mobile Plus (with Pick 12)

Anyone with questions about any of these upcoming projects can call Bob Barney to discuss:

Please don’t email me essay questions, just call. If I’m not in, email me your phone number, I’ll call you.

These planned objectives will easily consume our programming time during the balance of this year and throughout 2023. The good news is that once the product data files have been converted, and we have introduced the new CQS.EXE, and upgraded our internet engine to use the new data files, Compulife will be turning it’s full attention to our web based, Compulife Mobile software. The long term goal is to have a web based product that does everything our PC based software does.