Spotlight pages appear on the CPS Advantage Home page, toward the bottom, to introduce unique service or timely interesting topics to attract new advisors – or get existing advisors to ask questions.
Exam / Lab-FREE Life Insurance Life insurance buyers love the convenience of exam and lab-free applications. They also avoid surprise ratings and declines from: Abnormal liver functions Elevated glucose Blood or protein via urinalysis T-wave abnormalities on an EKG How many of your applications have derailed because of these findings? De-risk your clients’ life insurance […]
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 […]
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 […]
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’ […]
Business Development Resources Quick Links to Business Development Resources The following links give you access to resources you can deploy to grow your business. Deepen your client relationships by adding services. Which of your clients would take advantage of one of these strategies, if they knew about it? Expand your knowledge, add services, educate your […]
Underwriting Strategies for Jumbo Life Cases Estate tax funding, business succession, and key person indemnification strategies are often financed with tax-efficient life insurance. Most of these cases benefit from, or require, coverage from several leading insurers. This article prepares Financial Advisors for their discussions with clients who want to purchase life insurance to cover their […]
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 […]
Guaranteed premium survivorship (2nd-to-die) life insurance policies are often the most tax-efficient financial tool married couples can deploy to leverage their death tax mitigation strategy. Guaranteed lump sums (including 1035s), short pays, and annual premium designs provide maximum funding flexibility. Peace of mind comes from knowing that, no matter what happens to interest rates, markets, or the […]
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 […]
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