You are correct Act 55 does prohibit Single Premium Credit Life, as a stand alone product. In PA, you can sell Single Premium Credit Life if you also offer the customer a choice between that product and monthly pay as you go. The problem is that all insurance products have to be approved initially by the Insurance Dept, so in order for your vendor to get approval for the Monthly Pay as you go product it is not as simple as you would think, basically because of the time required for approvals. Plus, then you have to worry about having the systems to handle both types; as well as training for your people. While offering both products you can mitigate some (but not all) of the "predatory lending" stigma attached to single premium credit life. You will also need to make sure that your sales techniques are in order, that's were some of the lenders have gotten into trouble in the past. Last summer several lenders cut their Single Premium programs because of the challenge of predatory lending.