Our medical underwriting directors were able to renegotiate underwriting for a client with hepatitis b and recreational marijuana use. He needs $2.5M level term life insurance for 20 more years. The rating dropped from table E to non-smoker plus without a rating, cutting the premium to about 1/3 of the original offer. The case was placed last week.
$15M Exam and Lab-Free Life Insurance Key to Success: Carrier Selection / Underwriting Exception Applicant Summary: M, 58, Healthy Executive, No Tobacco Use Need: $100,000,000 of Life Insurance to Pay Death Taxes Advisor calls CPS Advantage to line up $100M life insurance on a client to cover a portion of estate taxes. The client already […]
Renewed Underwriting Saves $22,486 in Life Insurance Premium Key to Success: Carrier Selection / Underwriting Exception Applicant Summary: M, 74, Average Health, No Tobacco Use Need: $10,000,000 of 10-Year Level Term Life Insurance Advisor calls CPS Advantage for options for a successful business owner whose existing term insurance premium would rise to $170,785 at the […]
Chinese Citizen & Resident Super Preferred Key to Success: Carrier Selection / Underwriting Exception Applicant Summary: M, 45, NT, Healthy, Chinese Citizen & Resident Need: $5,000,000 Keyperson Term Life Insurance Advisor calls CPS Advantage for a Second Underwriting Opinion on a new client who needs $5M keyperson term life insurance. The insured, a Chinese citizen […]
Avocation Exclusion Rider Cuts Premium by 82% Key to Success: Carrier Selection / Underwriting Exception Applicant Summary: M, 41, NT, Super Healthy Executive, Rock / Mountain / Ice Climber Need: $7,500,000 of Level Term Business Life Insurance Advisor calls CPS Advantage for a Second Underwriting Opinion on a new client who needs $7.5M term life […]
Private Pilot Without Flat Extra Key to Success: Carrier Selection / Underwriting Exception Applicant Summary: M, 32, NT, Healthy, Student Pilot with 40-50 Flight Hours Need: $5,000,000 of Level Term Life Insurance Advisor calls CPS Advantage for a Second Underwriting Opinion on a new client who needs $5M term life insurance to protect his young […]
CPS Advantage
6444 E. Spring Street #287
Long Beach, CA 90815
