After increasing the premiums, I guess Settlers thought they might should lower the convention qualifications to get gents to use them. They dropped it to $36,000 for the year. Trips are 3 days/2 nights in Orlando or San Diego (your choice).. They count annual pay and single pay at 25% of premium. I can see that for single pay but have never heard of a company doing that on Annual pay.. After all, they make the same on it as on bank draft.