In 2015, our plans were about improving our service, from reducing the number of Attending Physician Statements that we order, to streamlining our tele-interviews. 

As we hit the ground running in 2016, we have a number of projects and plans in motion geared to making the insurance buying process easier for you and your clients. We're focusing our time on modernizing our business, developing better risk analysis tools and arming our underwriters with improved processes and an updated philosophy that reflects the risks we are accepting.