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Know the Possibilities CPS Advantage life insurance underwriting directors, with decades of experience and relationships with insurance (and reinsurance) company medical directors, negotiate for policy offers in settings where coverage could not otherwise be placed. Get inspired by learning of the possibilities you have to place life insurance on the most interesting risks you’ll come […]
Reduce or Eliminate Estate Taxes The estate and gift-tax exemption is about to get cut in half, exposing exponentially more wealthy Americans to the death tax. Deploy our super simple Federal Estate Tax Estimator to quickly educate your clients about this increasing tax! Be the first Advisor who brings this urgent topic to your clients’ […]
Financial Advisors should consider two advantages they derive from obtaining a signed generic HIPAA with every life insurance application. First, a signed HIPAA is required by law, if you wish to discuss medical underwriting details with third parties. Given that a relatively high percentage of applications result in underwriting challenges, a HIPAA enables you to […]
Life insurers order paramedical exams, labs, and EKGs to uncover emerging, undiagnosed medical issues. Elevated glucose, liver functions, or cholesterol are among the more common surprise findings. Such results can lead to ratings, postponements, or declines. By de-risking the life insurance underwriting experience, you can now help your clients avoid these unnecessary complications. De-Risking the […]
It is often strategically advantageous (and much more convenient!) to apply for life insurance without having to submit to a paramedical exam, blood profile, and urine specimen. Some highly rated brand name carriers now offer $5,000,000 – $65,000,000 of life insurance to younger healthy applicants without a physical. Other insurers still order paramedical exams. Their […]
Most smaller and medium sized companies are owned by an individual, a few partners, or a small group of executives. Some are owned by family members spanning two or three generations. These individuals often own all voting stock, and, with it, control the future direction of the company. What if something unexpected happens to one […]
Financial Advisors recommend clients protect their lifetime income with life & disability insurance. Great news: 40-year level term life insurance now enables young individuals to insure their entire anticipated lifetime income with an ultra-low cost term policy. Let’s take a look at a recent request. Meet Karen Karen, a healthy 25-year young woman, would like […]
Only ONE highly rated brand name insurer offers occasional cigarette smokers super-preferred non-tobacco life insurance premiums, cutting their premiums in about half. A recent example: Kaitlyn, F, 56, actress, smokes a few cigarettes per month, seeks $2M permanent life insurance as a legacy for her son: Tobacco premium = $46,910 Non-tobacco premium = $24,263 Annual […]
Only ONE highly rated brand name insurer offers a lab test that makes it easy for e-cigarette users (vapers) to qualify for non-tobacco rates, cutting premiums in about half. Let’s look at a recent request: Kayla, F, 26, attorney, vapes daily, needs $3M 20-year level term for income replacement purposes Tobacco premium = $3,024.70 Non-tobacco […]
5 Questions Answers to the 5 Questions below will enable us to match a life insurance applicant with the insurer, underwriter, and product that will result in the most favorable post-underwriting outcome. A little time invested prior to a formal application goes a long way toward having a happy client when you deliver the policy, […]
CPS Advantage
6444 E. Spring Street #287
Long Beach, CA 90815
