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I certainly not going to pay for applications from the companies when they send them for free.
I keep a good supply of all the apps. And reorder as needed.
There's more literature than just the application when you present a company. If myou have to order that stuff why not go ahead and order applications?
I do use company brochures if they have nice ones.
I guess another reason I started using printed apps is because I sell in two states and some company apps are hard to keep track of which state it's for. I have that imprinted on mine also. Keeps me from screwing up.
I do like American Continental's app being in a folder with the brochure, rate card, RX guide, replacement forms, etc. all in one place. If they all did that, I probably wouldn't print my own.