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Update News for January 2017

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

    • January 9, 2017, 9AM EST
      The Zip Code “Land Rush” Begins
      Don’t Miss The Opportunity!


    • The Starting Time is 9:00AM EST


    • Do Some Preparation In Advance



    • Happy New Year



    • 30th and 35th Anniversary Special



    • Price Increases For 2017



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

January 9, 2017, 9AM EST
The Zip Code “Land Rush” Begins
Don’t Miss The Opportunity!
The next important date for subscribers participating at, is January 9, 2017.

Subscribers who purchase additional zip codes from Term4sale, Inc., over and above the LOCAL zip codes acquired as part of a subscription to the Windows PC software, are invoiced for those zip codes on a calendar year basis. Each year a certain number of zip codes, which were previously purchased by subscribers, become available. Here are some of the typical reasons zip 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 zip codes they are buying

NOTE: I spoke to one subscriber who had over 80 zip codes and he is dropping them. The reason: he will not be retailing life insurance anymore, too busy with his agency. I checked the email records, and those 80 listings produced over 60 contacts, more than double what we expect/guarantee. So I can assure you there will be some great zip codes becoming available on January 9th. And before anyone asks, no, we will not be providing that customer’s list to anyone else. Our goal is to keep this fair for everyone.

The invoices for additional zip codes were sent mid-November. Subscribers have until Friday, January 6, 2017, to pay those renewals. If the renewal is not paid on or before that date, the un-paid zip codes are taken out of the new zip code listings which are then published the morning of January 9, 2017.

Leaving the ability to pay until the first week of January permits subscribers to decide in which tax year they will expense the advertising cost.

If zip codes are not paid by January 6th, the unpaid invoice will be automatically credited from our books and the zip codes will become available to other subscribers.

The Starting Time is 9:00AM EST
Every year someone complains because someone else beats them to a zip code that they wanted. To keep this fair and equal for all, we have a HARD starting date and time to ensure fairness. No one can (should) complain if someone else beats them to it. I probably shouldn’t say that, because there is always someone who complains. Even so, the rules are the RULES and they are fair and equal for all.

IMPORTANT: Do not call or email zip code purchase instructions before 9:00 AM EST on January 9th. If you do, your email will be ignored. We will likely be too busy to even respond and tell you that you jumped the gun. If you call early, and you get through, you will be told to call later.

Because the phone lines will likely be busy that day, and a lot of the early part of that week, it is BEST to do your homework in advance and email your instructions for new purchases or changes. Use this emai:
NOTE: Both Jeremiah and I get emails sent to that email address.

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

Available zip codes (ANY Zip 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 9th:

Zip Code Analyzer
Any additional zip code purchased on January 9th, must be paid for immediately. The cost of the zip code will be 11 X the monthly fee ($1.50 for the first 90, $2 for zip codes over 90; standard licenses only). Once your new zip codes are added, the remainder of the month of January is free.

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

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

Zip Code Analyzer
If I was you, I would print a list of zip codes in areas you are interested in, IN ADVANCE of the 9th.

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

Typically, when I am assisting subscribers in finding great zip codes, I will sort by the 4th column: “Zip Code Income (Millions)”. The number in that column is a result of multiplying column 5 times column 6 (Number of Households times Income Per Household). You will need to click that column heading twice. The first time you click it sorts from smallest number to largest. The second time you click it sorts from largest to smallest.

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

Once you have the list that you want, print that list. I would then highlight the zip codes that you would really like to get. Once again, make sure that list is done in advance of the 9th.

On the morning of the 9th 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 zip codes that previously had 3 subscribers Listed, now have 2 or less. If that happens, and it’s one of the zip codes that you want, fire off your email to:
TIP:  Don’t wait too long after finding zip codes you want. You can send multiple emails. Remember, first come first served. I promise you, if you wait too long, some zip codes that you want will be gone by the time you ask for them.

Make sure 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 that you give us the credit card information again.

Happy New Year
Compulife would like to take this opportunity to wish you and your family a very Happy 2017. We will do all we can to help make your year prosperous and successful.

30th and 35th Anniversary Special
2017 marks the beginning of celebrations for Compulife’s 30th and 35th year anniversary.

My wife and I began Compulife in Canada in 1982. In 1987 we incorporated the U.S. company and began a 2 year period of learning about the U.S. term life insurance market. While we have had our challenges over those 35 years (the current lawsuits we have filed are yet another) we have benefited from the long term relationships that we have had with the majority of our subscribers. It is not uncommon to still be doing business with folks after 20 years, and we still have as a customer the very first person to ever purchase our software almost 35 years ago.

Fortunately I was 28 when I began this operation, so God willing I will be around to continue providing this service for a few years to come. I have absolutely NO intention of retiring, the national debt will eventually devalue the currency and a person’s greatest asset is their ability to continue to work. And this is a business where you can work well into your 70’s and 80’s, many of our subscribers are much older than I am.

As I contemplated what sort of “special” to offer for the 35th anniversary (30th in the U.S.), the numbers that rolled around were 30 and 5 so here is the deal:

Anyone wishing to purchase a 4 or 5 year subscription, can take a 30% discount on the entire invoice (NOT applicable to ADDITIONAL term4sale listings).

Currently a 2 year subscription gets a 10% discount, a 3 year subscription gets a 20% discount. For a limited time only, you can take a 30% discount by buying 5 (or 4) years at one time.

Some examples:

Ir you are a personal use subscriber. The current price for Compulife is $180 per year. Buy 5 years (or 4) of Compulife, and take off 30%.

          • 5 X $180 = $900


          • (minus 30%) – $270


          • Total Cost for 5 years = $630


        • That an average of $126 per year

If you are a personal use subscriber, with web quote option. The current price for the combination is $180 plus $96 per year. Buy 5 years and take off 30%.

          • 5 X $276 = $1,380


          • (minus 30%) – $414


          • Total Cost for 5 years = $966


        • That an average of $193.20 per year

If you are a Compulife Basic subscriber with web quote option. The current price for the combination is $96 plus $96 per year. Buy 5 years and take off 30%.

          • 5 X $192 = $960


          • (minus 30%) – $288


          • Total Cost for 5 years = $672


        • That an average of $134.40 per year

Two things. If you renewed your subscription to Compulife in the last 4 months, Compulife will allow you to “top up” that subscription.


On October 1st you paid $180 to renew your subscription. You decide to add 3 more years to that.

          • 4 X $180 = $720


          • (minus 30%) – $216


          • Total Cost for 4 years = $504


        • On October 1st you already paid $180, so you add the difference of $324 and get a paid subscription until the end of September, 2020 (3 more years added to the 2017 renewal you recently purchased).

Moving forward, the “top up” opportunity is 4 months. If you don’t act within 4 months of your last renewal, then you need to add a total of 4 or 5 years to get the 30% discount.

Price Increases For 2017
Early last year we announced coming price increases, and we have been holding off on those while we re-tool our webquote and term4sale sites. That work is coming to an end, and so early in 2017 we expect to roll out the price changes that we have planned.

You can read more about that here:

February 2016 Update News
IMPORTANT: Those who purchase software using the multi-year discounts, will LOCK IN the old prices for that period.



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