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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 […]
Preparing for a Life Insurance Paramedical Exam & Labs It’s often best to de-risk life insurance underwriting by taking advantage of exam and lab-free intelligent underwriting programs. Some applicants may even qualify for up to $135M of exam and lab-free life insurance through one or more executive underwriting programs. If an insurance paramedical exam, labs, […]
Benefits of Integrating Insurance Products Into a Retirement Plan
Avocation Exclusion Riders Insurers often charge extra premiums for individuals who engage in private aviation or risky hobbies they call “avocations.” Some applicants believe this is silly. Nothing is going to happen to them! They may not be willing to pay the extra premium required. Instead, they want to self-insure for the possibility something happens […]
Executive Life Insurance Underwriting Strategies Executive life insurance underwriting programs enable some healthy applicants to obtain up to about $135M coverage without insurance physicals. Clients love the convenience! Advisors also benefit by avoiding underwriting complications from elevated blood pressure, abnormal labs, or new t-wave abnormalities. As work with client to secure large amounts of life […]
Estate & Wealth Transfer Planning The estate and gift-tax exemption is about to get cut in half, exposing exponentially more wealthy Americans to the death tax. They can minimize or eliminate the tax, if they act before the deadline. Help clients avoid a voluntary tax of $400,000 per $1M of wealth! Talk to clients with […]
Life Insurance Conversation Starters The Wall Street Journal articles linked below make it easy for you to start life insurance-focused conversations with your clients and prospects. As you read each article, jot down the names of clients who will be interested in the topic, then: Forward the article to appropriate clients and prospects Follow-up and […]
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 […]
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