Agents can log onto the system via the Internet and are able to accept an application, quote, bind, collect premium and underwrite it in six to 10 minutes instead of 14 business days.

It has reduced our handling costs by 70 percent and has opened up the independent managing general agent life channels that we could not previously support.

This is an effective way of handling the life insurance application process that was previously slow and expensive.

We've already remade 15 of our 40 original TREAD-1 lessons for the Internet version.

When we started TREAD-1 six years ago, not many drivers had Internet access and fewer still had high-speed access, so we decided to go with computer terminals. Also we didn't want the lessons to be photos with a voice over talking at the driver. We wanted high-quality video with a movie-like feel.

Well all the big companies are really panicked by the internet thing and all that, and sales went down, although sales have gone up again in this country a bit and also the big companies, because they're so big, they need big sales really so they're not really interested.