However, application activity is up year-to-date.

Year-over-year growth was seen for all age bands and face amounts.

Quarter over quarter activity declines but other measures positive.

Application numbers fall for all ages, except among those over age 61.

Clients over age 71 lead with double digit increases across all face amounts.

Notable universal life applications not enough to offset declines in whole and term life.

Year-over-year application figures continue to climb, in the double digits for older clients.