Update News for October 2025

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

 

• • Accessing The Midmonth Bulletin
    
    
  • November 3, 2025
    Mark That Date in Your Calendar!
    
    
  • Fraud
    
    
  • Our Current Programming Plans for 2025
    
    

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

Accessing The Midmonth Bulletin

This month there is an important rate change in the U.S. that is being introduced on September 29th. Anytime a rate change like this occurs between the 28th and the 31st of the month, we will typically introduce that change with the monthly update. If another change occurs after that, we will then introduce the first midmonth update.

The problem with introducing a rate change in the monthly update is that the midmonth bulletin, which attempts to track and alert you to changes in products and rate data, does NOT automatically “pop up” after the monthly update. Instead this monthly bulletin, called the “Update News”, is the one that automatically pops up. We do NOT talk about rate changes in these Update News bulletins because they are preserved historically in our blog:

 

and no one wants to read about what rates changed last year (or 10 years ago). The Blog provides an ongoing journal of changes being made to our software offerings and services over time. As we do not produce printed documentation beyond this, it is one way that new subscribers can review various options we have introduced in the software and how to use them.

The blog provides access to old Update News bulletins back to June 2000, which represents 25 of the 38 years (we are entering our 39th year here in the U.S.). Compulife began in the U.S. in October 1987, and in Canada in October 1982.

You can access this current Update News bulletin, and/or the midmonth bulletin ANYTIME by going to the “Bulletins and File Finder” option on your Red Menu. Clicking on that option will bring up another menu, and the two bulletins are the first two options on that menu.

I bring this to your attention as we frequently get emails after a monthly update, which happened to contain a significant rate change, asking if we had yet received a particular life company’s new rates. Once again, if you take a moment and check the midmonth bulletin you can answer that question immediately. That saves writing an email and having to wait until we read and respond to it.

November 3, 2025
Mark That Date in Your Calendar!

Any subscriber, who participates as an agent listed at www.term4sale.com, needs to pay CAREFUL attention to this part of the bulletin. If you do NOT have 4 LOCAL zip codes (8 if you have a standard PC license to Compulife), then you have been missing out on a VERY important option that we provide to Windows PC subscribers.

November 3, 2025 is the first Monday in November, and 12pm EST that day is the beginning of “bump week”. Make sure you mark that date and time in your calendar, and make sure that you call Compulife after that date/time.

NOTE:   Bump week lasts until Friday, November 7th.

You need to ensure that you are getting the best zip codes in your local area.

IMPORTANT:   If you do NOT have a current list of your term4sale zip codes, contact Compulife by email before that date/time and ask us to email that list to you. Email us at: service@compulife.com

A few years ago we increased the total number of local zip code numbers from 3 to 4 (6 to 8 for standard licenses). A lot of subscribers have still not taken advantage of the ability to increase the number of those local zip codes.

There are TWO BIG reasons why local zip codes are important. First, they are less expensive than “additional zip codes” which cost $21 per year. Local zip codes are $12 per year (a buck a month). And when you consider the zip code warranty that we provide, that’s a no brainer offer (and a great opportunity for you). Second, during bump week we let you use those local zip codes to obtain the VERY best zip codes in your local area (an area that is defined as within 20 miles of your billing address zip code).

What zip codes are within 20 miles of you? You can go to this web page:

 

enter in your zip code and see which existing zip codes are within your area. You can also get useful information about each zip code, and its relative importance versus other zip codes. If you don’t understand the Zip Code Analyzer or the information it is providing, CALL US

 

and we’ll be happy to explain or answer any questions that you may have.

In the first column of the zip code spreadsheet you will find the total number of agents currently listed in each zip code. If you see the number 3, then that zip code is currently FULL and you cannot get listed in it.

IMPORTANT:   Your local zip codes can give you access to a zip code that is full.

If one or more of the agents in that zip code purchased it as an additional zip code, and that zip code is within 20 miles of you, you can “bump” that agent out and take over that zip code listing. You are allowed to do that a maximum of 4 times. AND you can still keep any local zip code that you decide to trade for a better local zip code, by immediately re-buying the previous local zip code as an additional zip code.

We want local agents to have priority in their local areas and bumping is how we do it.

Providing that a zip code does not already have 3 agents listed, and there are vacancies, then you can add that zip code at anytime. The only stipulations are that the zip code is in a state in which you are licensed to sell insurance and that you have not exceeded the maximum number of zip codes you are allowed to purchase.

Additional zip codes are $21 per year. That price is NOT increasing this year, but we believe it will increase for 2026 so make sure you set aside some of the money you make from sales from term4sale, so you can keep your zip codes for the following year.

I could go on, but our experience is that the vast majority of our customers do not read these bulletins. And those who do read them tend to hop, skip and jump over important information. If you are interested in getting consumers contacting you from the term4sale website, and don’t really understand how it all works, CALL US to discuss.

Fraud

Speaking of not reading the bulletin…

Last month I put a lot of time into writing an article in the bulletin which I titled:

 

I asked for feedback from subscribers on it and ONLY ONE subscriber took the time to help me. I was VERY disappointed. Thanks to that one subscriber who did respond.

Clearly most did not read the bulletin. I won’t bore you further on the subject. If you want to click on the link above, and have another look, great. Otherwise, it’s just one of those moments where I am now on the record as having tried to bring attention to something that I believe is a serious problem/issue. If no one cares to pay attention…

Our Current Programming Plans for 2025

The following is the current order for new work that we will be doing in 2025:

 

• • 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 2025. 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 its 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.