Financial advisors log in using a personalized ID and PIN provided by Phoenix American. Advisors receive customized interactive reports that allow them to view all of their current investors' accounts, balances, statuses and statements. In addition to the features investors receive, advisors can submit new investments, transfers, redemptions and account maintenance electronically through the Web Portal directly to Phoenix American. With Phoenix American's Electronic Subscription System(ESS) advisors and investors, using innovative interactive PDF programming embedded in the sponsor's own specific forms (accessible on the Web Portal), can jointly submit a request directly to Phoenix American electronically. The advisor's data input is transferred securely from the Web Portal and sent directly to the sponsor's account team where the request is immediately processed. Electronic subscription greatly increases efficiency by reducing the lag time associated with issue resolution items and ultimately accelerates the investor's effective date and advisor's commission compensation date.