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Update News for December 2019

Update News for December 2019

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

    • Merry Christmas 2019

    • Term4Sale – The One For Three Guarantee

    • Postal Code Renewals Must Be Paid By
      January 11, 2020

    • January 13, 2020, 12pm EST
      The Postal Code “Land Rush” Begins
      Don’t Miss The Opportunity!

    • The Starting Time is 12pm EST

    • Do Some Preparation In Advance

    • API Progress – Looking for Guinea Pigs in the U.S.

    • API Pricing

    • Our Current Programming Plans for 2020

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

Merry Christmas 2019
Each December I use Christmas as an opportunity to put a plug in the bulletin for Christianity. Actually, and much more specifically. I am trying to get you to pay attention to Jesus, the Christ of Christmas.

It’s all about Jesus.

The key element of Christmas is the story of the birth of Jesus. Why is that important to Christianity? One reason and one reason only, He was born of a virgin woman and His Father is Almighty God (NOT human). That is a fundamental teaching of the Bible and the Christian religion falls apart if that is not true.

Apart from that, there is nothing particularly significant about the birth of Jesus. By contrast, it is the death and resurrection of Jesus that is central to the entire Christian message. Jesus was born to die, His death provides the way for man to be reconciled to God.

I probably should not have said that much because it may be offensive.

On the subject of “offence” I was quite surprised when I read this in November:

NOTE:   Compulife (the company) does not donate to charities. Compulife’s profits are distributed to employees as income and each employee donates to charities personally and decides which charities they want to support.

The article says that Chick-fil-A is no longer donating to the Salvation Army. Personally I like the Salvation Army and I personally like to give them money. In fact this year I will give them more because of what Chick-fil-A has done. I think that the Salvation Army has a solid reputation of helping others regardless of who they are. And in particular they have a reputation for reaching out to veterans. Here’s more about that:

From time to time I am told that religious discussion is NOT appropriate for business. Either you are being told it may offend someone or someone is offended and tells you. Talking about Christianity has become more offensive than just about any other religion (Judaism may still have the lead) and it is certainly more offensive than talking about politics.

Have you ever wondered why talking about Christianity is offensive? Here’s Billy Graham from 1958; I think he explains it quite well:

Best wishes to you and your family during the Christmas holiday.

Term4Sale – The One For Three Guarantee
I am moving this up to the top of the subjects in this bulletin because I suspect this year more subscribers than in year’s past may qualify for discounts based upon the postal code warranty.

During the past year our positions in google searches has dropped steadily and I am not sure why. While we continue to enjoy strong traffic it is moving in the wrong direction and I think it’s a result of google slippage. We have invested time and money to make the site fully “responsive” and more attractive. We continue to see visitors who reach out to agents (we get copies of all email contacts). Much of that comes from those referred to our site from financial advisor articles and sites who have nice things to say about term4sale. Even so, the response volume has also softened and once again I think it is search engine slippage.

I have been VERY reluctant to get involved in SEO because I have heard the horror stories of those who monkey around to get better search engine results, only to have those gains slashed and burned by search engines who later decide that the site was gaming their search system. However, given the search engine slippage we have much less to lose if SEO backfires. We are currently in talks with an SEO specialist with the view of investing some money to see if we can get better results.

Regardless of all that, the warranty is designed to assist those who may have been too adversely impacted.

To summarize, the “Guarantee” (Warranty) is that for every 3 postal code listings that you have, you can expect ONE legitimate email contact through the system per year (we don’t count tests and duplicates). If you didn’t get that one for three contact then those 3 postal codes are free listings for the following year and the warranty will carry over to that following year as if you had paid the full normal fee.

If you think you that is the case for you, do NOT pay your term4sale invoice until the last week of December. In that last week call us and we will review your email contacts with you, and compare that to the number of postal codes that you had in 2019. If you came up short, we will issue the appropriate credit and reduce your invoice. If you pay that reduced amount you will keep ALL the postal codes you were invoiced for in mid-November.

How is the credit calculated (if you qualify)?

EXAMPLE: You have 14 postal codes, three local and 11 that you purchased. For 14 postal codes we expect: 14/3 = 5 contacts (4.67 rounded up). Let’s assume that you had only 3 email contacts (note: we do not count duplicate or BOGUS contacts) On November 15th, we would have invoiced you $198 (11 X $15) for 2018 renewal. However, you really only got the activity we would have expected for 9 total postal codes, which would have been 3 local postal codes, and 6 additionally purchased postal codes. Therefore, we will credit your invoice DOWN to $90 (6 X $15) and give you the same 14 postal codes for 2018. In other words, you will have 5 of those 11 paid postal codes for free.

IMPORTANT: There are NO REFUNDS. What we do is reduce the renewal cost for the SAME postal codes for the following year. After January 13th you can add postal codes (and pay for those) or you can swap your postal codes for other postal codes.

This guarantee is designed to act as a way to retroactively balance out the cost of postal codes listings that have not produced. Sometimes, particularly for those with smaller numbers of postal codes, or with postal codes in poorly populated areas, the results are not as good. We understand that and our warranty is designed to moderate the cost when results are disappointing.

Postal Code List FROZEN Until January 13th
The term4sale postal code list was frozen following “bump week”. Once “bump week” ended on November 8th, 2019, and the renewal invoices for “additional postal codes” had been sent in the middle of November, the postal code list can no longer be changed for 2019. The opportunity to add or change postal codes will not be available until January 13, 2020.

Those who have postal codes will keep those postal codes until that date and no changes will be made until after 12pm EST that day. This gives our customers who have those postal codes time to renew those postal codes (or not).

Postal Code Renewals Must Be Paid By
January 11, 2020
Subscribers who have been sent renewal invoices for term4sale listings must have those postal codes paid by January 10, 2020. postal codes that are not paid for by that date will be removed from your list of postal codes and they will become available to other subscribers on January 13, 2020 at 12 noon EST.

The idea of leaving it to January 10th is to give those who want to the opportunity to expense the advertising in either the 2019 or 2020 business years. Otherwise, there are no exceptions. If the postal code renewals are unpaid by January 10th then the postal codes will be made available to other subscribers. You can always come back later and buy them if they are still available, although the good one’s usually go quickly once others see that they have become available.

The exception is that you may elect to give up some of your postal codes and reduce your invoice amount. You also have until January 10th to make that decision. You will still be listed in the postal codes that you elect to give up, until January 10th. You paid to be listed until the end of the year, and you will have those listings until the end of the year. That is why the list is frozen. Internally we will remove the codes you delete, but a new list will not be published to the site/server until January 13th.

Give us a call if you have further questions, or email us at

January 13, 2020, 12pm EST
The Postal Code “Land Rush” Begins
Don’t Miss The Opportunity!
The next important date for subscribers participating at, is January 13, 2020.

Subscribers who purchase additional postal codes from Compulife, over and above the LOCAL postal codes purchased as part of a subscription to the Windows PC software, are invoiced for those postal codes on a calendar year basis. Each year a certain number of postal codes, which were previously purchased by subscribers, become available. Here are some of the typical reasons postal codes come back into the market:

      • 1. Subscribers die
      • 2. Subscribers retire
      • 3. Subscribers quit the business
      • 4. Subscribers stop subscribing
    • 5. Subscribers cut back on the postal codes they are buying

The invoices for additional postal codes were sent mid-November. Subscribers have until Friday, January 11, 2020 to pay those renewals. If the renewal is not paid on or before that date, the un-paid postal codes are taken out of the new postal code listing list which is then published the morning of January 13, 2020.

The Starting Time is 12pm EST
Every year someone complains because someone else beats them to a postal code that they wanted. To keep this fair and equal for all, we have a HARD starting date and time to ensure fairness.

IMPORTANT: Do not call or email postal code purchase instructions before 12pm EST on January 13th. If you do, your email will be ignored. If you call early you will be told to call later.

Because the phone lines will likely be busy that day, it is BEST to do your homework in advance and email your instructions for new purchases or changes. If you have questions, then call or email us the week before.

NOTE: You have two basic options for acquiring new postal codes. You can either ADD postal codes to your current list, or you can trade/exchange postal codes that you already have, for postal codes that you think are better.

Available postal codes (ANY postal Code with less than 3 agents listed) will be available on a first come, first serve basis. The new list will be published here on January 13th early that morning:

Postal Code Analyzer
Any additional postal code purchased on January 13th, must be paid for immediately. The cost of the postal code will be 11 X the monthly fee of $1.25. Once your new postal codes are added, the remainder of the month of January is free.

If you are switching postal codes for better postal codes we will need specific instructions. Tell us what postal code that you want to add, and which postal code that you are giving up. If you don’t know what postal codes you have, email and ask for a list of those postal codes ASAP.

Do Some Preparation In Advance
Once again, you can research postal codes at:

Postal Code Analyzer
If I was you, I would print a list of postal codes in the areas that you are interested in, IN ADVANCE of the 13th.

IMPORTANT TIP:  You can use the column titles to sort the list of postal codes.

Typically, when I am assisting subscribers in finding great postal codes, I will sort by the 5th column: “Number of Households”. You will need to click that column heading twice. The first time you click, it sorts from smallest number to the largest. The second time you click it sorts from largest to smallest.

TIP:  In densely populated, urban areas, increase the “Number of Listed postal Codes” from the default number of 100. This will enlarge the area of the province that you are looking at.

Once you have the list that you want, print that list. I would then highlight the postal codes that you would really like to get. Once again, make sure that list is done in advance of the 13th.

On the morning of the 13th you will want to replicate the list again, doing the same search and sort. Check your old list with the new list to see if postal codes that previously had 3 subscribers listed, now have 2 or less. If that happens, and it’s one of the postal codes that you want, fire off your email at 12pm to:
TIP:  Don’t wait too long after finding postal codes that you want. You can send multiple emails. Remember, first come first served. I promise you, if you wait too long, some postal codes that you want will be gone by the time you ask for them.

Make sure that we have your name and phone number in the email. Once we get to you in time order, we will call you and ask for your credit card information.

IMPORTANT:  Compulife keeps no credit card records for subscribers. If we don’t have your credit card number, they can’t be stolen from us. Every purchase by credit card, requires the credit card again.

API Progress – Looking for Guinea Pigs in the U.S.
Our new API is now producing quotes. Chris has some auxiliary functions to complete, then Jeremiah and Chris will be putting together some examples for subscribers, to show how they can connect with the API to get back results which can then be displayed on the subscriber’s website and to modify as they wish.

We have decided the first customer for the new API will be We will convert that site to using the API instead of the engine directly. That should help us shake out any issues that we have.

After term4sale, the best way to engineer the sample templates to assist customers with the formatting they will want to do, is to actually work with some prospective customers to help them get set up. Therefore, to incentivize those who want to try the API, we are prepared to offer the API to any existing U.S. Compulife subscribers for the price of $300 per year, for the first 2 years, without regard to their volume.

NOTE:   Once this is successfully implement in the U.S., we will Canadianize and offer the API in Canada. We will offer a similar “special” start-up deal, although the number will be less than 12. We’ll keep you posted on how/when that happens.

$300 is the annual price we have set (in addition to the annual subscription to Compulife) for a subscriber who is doing 1,200 or less quotes per month. So during your first 2 years, even if you EXCEED that limit, you will continue to pay $300 for the API option if you are one of the first 12 to sign up.

This offer is available to the first 12 customers who sign up and pay for the option. If we don’t have 12 sign ups by the end of January 2020, then January 31st is the secondary deadline.

Further, the $300 will NOT apply until you have completed the job of getting this up and running on your website. So if your site is not running until March 2020, your $300 kicks in then and you are paid for the year to March 2021, with the ability to get a second year at that point for the same $300 (regardless of volume). It’s a great deal, you should jump on it if you want customized quotes versus the web quote option.

Further, while it is NOT Compulife’s job to help you design and modify your quote pages, we expect and will provide much more assistance to help you get your application up and running. The purpose is to fine tune the example pages we provide so that future users have an easier time implementing our API on their quoting platforms. Essentially the first 12 will be our Guinea Pigs.

So the only question is, who read this far and who are among the first 12 to be Guinea Pigs for Compulife’s new API?

API Pricing
The API service will be volume based. Here’s a tentative pricing schedule:

1,200 or less quotes per month –    $396 per year (includes Compulife Basic)
6,000 or less quotes per month –    $749 per year (includes Compulife Personal Use)
30,000 or less quotes per month – $1,199 per year (includes Compulife Standard Use)

All of these prices are less than the current cost of the Internet Engine, which is $1,499 per year (including Compulife Standard Use). The price for the engine will remain the same for customers doing 60,000 or less quotes per month. Any customer doing over 60,000 quotes per month will have the price of the Internet Engine increased to $2,200 per year (in addition to their Standard License of $299).

Some current subscribers to the Internet Engine, who are doing smaller volumes of quotes, will probably want to switch to the new API version of the software because their volume is relatively low and they will save money with the API version of quotes. The API customer will still be able to produce the very same quotes that they are producing now and still be able to fully customize their user interface and quote functions. Instead of delivering pages to the customer’s website, the API delivers raw output: company information and premiums. The user takes that data and imbeds it into their web pages and systems.

The other advantage of the API over the Internet Engine is that Compulife will take over the updating of rates and software, which means the user has less maintenance. The downside is that quotes will be coming from our server, and if our server goes down, so do your quotes. Having said that, reliability seems high. We have not had many issues with the web quote option for customers, and so we hope the same is true for the API (I should add that I don’t trust the internet).

Those doing over 30,000 quotes per month will need to buy the Internet Engine. First, we don’t want their high volume use dragging down our server performance. Second, anyone doing that kind of volume needs to pay for the server that they are running the quoting software from, and depending on volume they can get whatever type of server service they want/need, from shared hosting to stand alone equipment.

Our Current Programming Plans for 2020
The following is the current order for new work that we will be doing in 2019/2020:

      • Overhaul Of Current Product Data Files
      • Introduction of New PC Version: CQS.EXE
    • Introduction of Compulife Basic Plus (with Pick 12)

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

(888) 798-3488

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 2019 and into 2020. 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 Basic software. The long term goal is to have a web based product that does everything our PC based software does.

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