One expense I hadn't thought about was a CRM subscription. I'm planning to sell med supps using direct mail for prospecting. Then cross sell final expense. How much do you spend on recurring monthly/annual expenses? Things Like: E&O insurance CRM subscriptions Web site hosting. Dialers. Quote engines (csg actuarial) Fax capability. Internet connection Trying to figure out What I'll need to spend money on each month. Seems like some expenses are necessary to just do business like CRM, fax capability, internet connection, E&O, maybe quote engine? Appreciate if others willing to share what some of their costs are.