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Life Insurance

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 Guaranteed premium level term with extended coverage for 25, 30, 35, 40 years and "forever term"
40-Year Level Term enables a 25 year old to guarantee lifetime earnings at ultra-low cost (to age 65) 40-Year Level Term enables a 25 year old to guarantee lifetime earnings at ultra-low cost (to age 65)
Non-tobacco rates for DAILY cigar smokers, dippers, chewers, cutting their premiums in HALF(!) 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 $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 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 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 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  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 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 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  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)  Dangerous occupations, police, fire fighters, military service members (including active duty) 
Life insurance with chronic illness or long-term care benefits or riders, including linked benefit solutions Asset Care, Care Matters, MoneyGuard Life insurance with chronic illness or long-term care benefits or riders, including linked benefit solutions Asset Care, Care Matters, MoneyGuard
Guaranteed issue, simplified issue, ADD, and graded benefit policies for risks otherwise uninsurable Guaranteed issue, simplified issue, ADD, and graded benefit policies for risks otherwise uninsurable
Finance very large life insurance premiums in settings where the policyowner prefers to use other people's money to acquire coverage 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  Term insurance for high net-worth international clients with just a bank account in the US 
Patented whole life insurance with guaranteed lifetime LTC benefits Patented whole life insurance with guaranteed lifetime LTC benefits
Ex-smokers qualify for preferred non-tobacco rates after 1 year - no need to wait 3 years! 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 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  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 Jumbo case underwriting with risk reduction via sequential application layering with direct writers and reinsurers
High limit international coverage, CEOs, entertainers, professional athletes High limit international coverage, CEOs, entertainers, professional athletes
Migrants who do not qualify for a Social Security Number but pay taxes and have an ITIN # may qualify for life insurance Migrants who do not qualify for a Social Security Number but pay taxes and have an ITIN # may qualify for life insurance

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 Guaranteed premium level term with extended coverage for 25, 30, 35, 40 years and "forever term"
40-Year Level Term enables a 25 year old to guarantee lifetime earnings at ultra-low cost (to age 65) 40-Year Level Term enables a 25 year old to guarantee lifetime earnings at ultra-low cost (to age 65)
Non-tobacco rates for DAILY cigar smokers, dippers, chewers, cutting their premiums in HALF(!) 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 $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 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 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 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  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 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 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  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)  Dangerous occupations, police, fire fighters, military service members (including active duty) 
Life insurance with chronic illness or long-term care benefits or riders, including linked benefit solutions Asset Care, Care Matters, MoneyGuard Life insurance with chronic illness or long-term care benefits or riders, including linked benefit solutions Asset Care, Care Matters, MoneyGuard
Guaranteed issue, simplified issue, ADD, and graded benefit policies for risks otherwise uninsurable Guaranteed issue, simplified issue, ADD, and graded benefit policies for risks otherwise uninsurable
Finance very large life insurance premiums in settings where the policyowner prefers to use other people's money to acquire coverage 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  Term insurance for high net-worth international clients with just a bank account in the US 
Patented whole life insurance with guaranteed lifetime LTC benefits Patented whole life insurance with guaranteed lifetime LTC benefits
Ex-smokers qualify for preferred non-tobacco rates after 1 year - no need to wait 3 years! 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 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  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 Jumbo case underwriting with risk reduction via sequential application layering with direct writers and reinsurers
High limit international coverage, CEOs, entertainers, professional athletes High limit international coverage, CEOs, entertainers, professional athletes
Migrants who do not qualify for a Social Security Number but pay taxes and have an ITIN # may qualify for life insurance Migrants who do not qualify for a Social Security Number but pay taxes and have an ITIN # may qualify for life insurance

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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

(562) 735-5141
 Email LinkedIn

Gayle Cooper, CLU

(562) 735-5154
 Email LinkedIn

Nicole Highwart, CLTC

(562) 201-3068
 Email LinkedIn

Stefan Bruckel

(303) 999-5855
 Email LinkedIn

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.

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CA Corp. Insurance License: 0E02059

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CPS Advantage
6444 E. Spring Street #287
Long Beach, CA 90815

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