Whether you have an impaired risk, a tobacco user, or need a product or case design Northwestern Mutual does not currently offer, we make placing outside business super simple – we even offer to take a life app on your behalf! From submission to commission, experience placing outside insurance the easy way. Key Resources:
The Problem: Narcotic Prescribed by “Buddy” Dentist Our Financial Advisor calls for help: “My primary company, a well-known mutual life insurer, declined my early 30s client who needs $10M life insurance to fund a buy-sell agreement between him and his business partners. Until recently, he used opioid pills – prescribed without documentation by a buddy […]
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 […]
Incidence rates for prostate cancer approximately equal age: approximately 50% of men in their 50s are likely to have some form of prostate cancer, and 80% of men who reach their 80s have the disease. Therefore, it is important for financial advisors to be familiar with life insurance underwriting strategies for prostate cancer. Prostate Cancer […]
Life insurance applicants are sometimes surprised they are required to pay an extra premium due to findings of elevated liver functions in their insurance company labs. They feel terrific and have never even thought about their liver before! None of them are pleased about having to pay higher premiums. Fortunately, not all life insurers underwrite […]
Life insurers often screen male applicants for prostate specific antigen (PSA) levels. Their goal is to catch previously undiagnosed prostate cancers. But many PSA elevations are caused conditions other than cancer. Selecting a carrier that is comfortable with elevated PSA findings is key to getting competitive insurance offers.
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 […]
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CPS Advantage
3020 Old Ranch Parkway #300
Seal Beach, CA 90740
