I have been using the one that says "life insurance" on it and i still get idiots that think it's free and not about life insurance and at the same time I'm diminishing my returns and probably missing out on people that already think they're covered correctly and think they have the best rate, mean while if I used the one that says "state regulated program" I could still get in front of them and replace their old policy if necessary and it's the right move. Which lead piece do you feel is best?