At this point I'd be happy to join a spin off thread for experts like exgingi and skyguy918 etc to discuss inside baseball questions so as to keep that out of here.
Also, if anyone wants to try term4sale to get quotes and/or a direct to consumer insurance company but wants to ask newbie questions, I'd be happy to answer whatever I can in this thread, a different spin off thread, or by PM. All I'd ask is consider doing a "TR" afterwards with some anonymized screenshots for the benefit of other newbies.