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Primerica provides its 6 million clients with financial products and services, such as term life insurance, mutual funds, variable annuities, loans and long-term care insurance. With up to 60 percent of applications pouring in the last week of each month, processing the high volume of paperwork was very challenging. The company decided it needed a paperless process and a powerful mobile device. Primerica chose to develop on the Palm OS platform in part because the majority of its agents and executives already were users of Palm products, ranging from handheld devices that were primarily used to organize calendar, contacts and personal information to advanced all-in-one devices that include email and cell phone capabilities. Familiarity with Palm devices made the learning curve virtually flat. In addition, the Palm OS platform is flexible enough to expertly handle applications customized for the needs of particular industries, from healthcare to finance. Palm handhelds and smartphones met Primerica's system requirements for powerful, portable, affordable devices with the ability to handle the customized TurboApps application.