Life Insurance: know what’s possible
Overview
Add clients and increase your income by expanding your life insurance portfolio with additional popular products & underwriting exceptions that turn ratings and declines into placed policies. For complex cases, invite one of our Expert to collaborate with you. From submission to commission, additional life insurance sales the easy way!
Guaranteed premium level term with extended coverage for 25, 30, 35, 40 years and "forever term"
Non-tobacco rates for DAILY cigar smokers, dippers, chewers, cutting their premiums in HALF(!)
$5M Term or permanent coverage WITHOUT exam / labs from highly rated brand name mutual life insurer
Frequent recreational marijuana smokers (up to 3x per week) qualify for preferred non-tobacco rates
Type 1 diabetics diagnosed as young as 2 years old qualify for life insurance at competitive rates
Term insurance for older individuals, business owners & executives issued their 60s, 70s, and even 80s
Guaranteed single pay, short pay, forever pay, catch up single life and 2nd to die secondary guaranteed UL
Single Life & 2nd to Die IUL with & without guarantees, max funding scenarios with mutual life insurers
Life insurance with chronic illness or long-term care benefits or riders, including linked benefit solutions Asset Care, Care Matters, MoneyGuard
Underwriting exceptions: build, diabetes, bipolar disorder, anxiety, depression, AFib, LFTs, cancer, CAD, Parkinson's, sleep apnea, Crohn's, UC, DUIs, speeding tickets, reckless driving
Avocations & hobbies: private pilots, rock climbers, heli skiing, SCUBA, sky divers, motor racing, martial arts fighters, boxers
Dangerous occupations, police, fire fighters, military service members (including active duty)
Finance very large life insurance premiums in settings where the policyowner prefers to use other people's money to acquire coverage
Term insurance for high net-worth international clients with just a bank account in the US
Ex-smokers qualify for preferred non-tobacco rates after 1 year - no need to wait 3 years!
Occasional cigarette smokers qualify for super preferred non-tobacco rates from highly rated life insurer
Balance sheet friendly COLI UL & VUL via simplified and guaranteed issue underwriting
Jumbo case underwriting with risk reduction via sequential application layering with direct writers and reinsurers
High limit international coverage, CEOs, entertainers, professional athletes
Overview
Expand your knowledge with these popular products & underwriting exceptions. Turn ratings and declines into placed policies. Be sure to check out our Expert pages for advanced markets strategies!
Guaranteed premium level term insurance for 15, 20, 25, 30, 35, 40 years and "forever term"
Non-tobacco rates for DAILY cigar smokers, dippers, chewers, cutting their premiums in HALF(!)
$5M Term or permanent coverage WITHOUT exam / labs from highly rated brand name mutual life insurer
Frequent recreational marijuana smokers (up to 3x per week) qualify for preferred non-tobacco rates
Term insurance for older individuals, business owners & executives issued their 60s, 70s, and even 80s
Guaranteed single pay, short pay, forever pay, catch up single life and 2nd to die secondary guaranteed UL
Life insurance with chronic illness or long-term care benefits or riders, including linked benefit solutions Asset Care, Care Matters, MoneyGuard
Single Life & 2nd to Die IUL with & without guarantees, max funding scenarios with mutual life insurers
Underwriting exceptions: build, diabetes, bipolar disorder, anxiety, depression, AFib, LFTs, cancer, CAD, Parkinson's, sleep apnea, Crohn's, UC, DUIs, speeding tickets, reckless driving
Avocations & hobbies: private pilots, rock climbers, heli skiing, SCUBA, sky divers, motor racing, martial arts fighters, boxers
Type 1 diabetics diagnosed as young as 2 years old qualify for life insurance at competitive rates
Dangerous occupations, police, fire fighters, military service members (including active duty)
Guaranteed issue executive carve out for term and permanent life insurance plans - 10 lives minimum
Finance very large life insurance premiums in settings where the policyowner prefers to use other people's money to acquire coverage
Ex-smokers qualify for preferred non-tobacco rates after 1 year - no need to wait 3 years!
Occasional cigarette smokers qualify for super preferred non-tobacco rates from highly rated life insurer
Balance sheet friendly COLI UL & VUL via simplified and guaranteed issue underwriting
Jumbo case underwriting with risk reduction via sequential application layering with direct writers and reinsurers
High limit international coverage, CEOs, entertainers, professional athletes
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MAY WE ASSIST YOU?
Please send us a quick note outlining your need to requests@cpsadvantage.com.
We appreciate the opportunity. You’ll hear from us shortly. Thank you.
Contact a team member
Gayle Cooper, CLU
Nicole Highwart, CLTC
Stefan Bruckel
TERESA RIEWERTS, CLU, CHFC, CASL
Feel free to tell us about your need, or request a call-back from the next available team member, via email to: requests@cpsadvantage.com.
