Skip to content

Life Insurance

Overview

Add clients and increase your income by expanding your life insurance portfolio with additional popular products & underwriting exceptions.  Turn declines and ratings at conservative insurers into placeable policies.

Consider inviting an Expert to collaborate with you on your most important opportunities.

Once you and your client have settled on a life insurance solution, our Concierge Application Specialists offer to take the application on your behalf.  From submission to commission, we take good care of you and your clients.

Guaranteed premium level term 10, 15, 20, 25, 30, 35, 40, and Guaranteed premium level term 10, 15, 20, 25, 30, 35, 40, and "forever term"
Non-tobacco rates to DAILY cigar smokers, dippers, chewers, cutting their premiums in HALF(!) Non-tobacco rates to DAILY cigar smokers, dippers, chewers, cutting their premiums in HALF(!)
Marijuana smokers qualify for non-tobacco rates Marijuana smokers qualify for non-tobacco rates
Term insurance for business owners, executives, & individuals in their 60s, 70s, and 80s Term insurance for business owners, executives, & individuals in their 60s, 70s, and 80s
Underwriting exceptions: build, diabetes, bipolar disorder, anxiety, depression, AFib, LFTs, cancer, CAD, Parkinson's,  sleep apnea, Crohn's, UC Underwriting exceptions: build, diabetes, bipolar disorder, anxiety, depression, AFib, LFTs, cancer, CAD, Parkinson's,  sleep apnea, Crohn's, UC
DUIs, speeding tickets, reckless driving  DUIs, speeding tickets, reckless driving 
Avocations & hobbies: private pilots, rock climbers, heli skiing, SCUBA, sky divers, motor racing  Avocations & hobbies: private pilots, rock climbers, heli skiing, SCUBA, sky divers, motor racing 
Guaranteed premium individual and survivorship universal life, guaranteed single pays, guaranteed short pays Guaranteed premium individual and survivorship universal life, guaranteed single pays, guaranteed short pays
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
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
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; occasional cigarette smokers qualify for super preferred non-tobacco rates Ex-smokers qualify for preferred non-tobacco rates after 1 year; occasional cigarette smokers qualify for super preferred non-tobacco rates
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
Graded benefit and guaranteed issue policies Graded benefit and guaranteed issue policies
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.  Turn declines and ratings at conservative insurers into placeable policies.

Consider inviting an Expert to collaborate with you on your most important opportunities.

Once you and your client have settled on a life insurance solution, our Concierge Application Specialists offer to take the application on your behalf.  From submission to commission, we take good care of you and your clients.

Guaranteed premium level term with extended coverage for 25, 30, 35, 40, and Guaranteed premium level term with extended coverage for 25, 30, 35, 40, and "forever term"
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(!)
Marijuana smokers and vapers qualify for non-tobacco rates Marijuana smokers and vapers qualify for non-tobacco rates
Type 1 diabetics diagnosed as very young children Type 1 diabetics diagnosed as very young children
Term insurance for business owners, executives, & individuals in their 60s, 70s, and 80s Term insurance for business owners, executives, & individuals in their 60s, 70s, and 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 
Underwriting exceptions: build, diabetes, bipolar disorder, anxiety, depression, AFib, LFTs, cancer, CAD, Parkinson's,  sleep apnea, Crohn's, UC Underwriting exceptions: build, diabetes, bipolar disorder, anxiety, depression, AFib, LFTs, cancer, CAD, Parkinson's,  sleep apnea, Crohn's, UC
DUIs, speeding tickets, reckless driving  DUIs, speeding tickets, reckless driving 
Avocations & hobbies: private pilots, rock climbers, heli skiing, SCUBA, sky divers, motor racing  Avocations & hobbies: private pilots, rock climbers, heli skiing, SCUBA, sky divers, motor racing 
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; occasional cigarette smokers qualify for super preferred non-tobacco rates Ex-smokers qualify for preferred non-tobacco rates after 1 year; occasional cigarette smokers qualify for super preferred non-tobacco rates
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

Quick Links

You must be logged in to use this feature!
You must be logged in to use this feature!
You must be logged in to use this feature!
You must be logged in to use this feature!

 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

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.

Life

CA Corp. Insurance License: 0E02059

Contact us

 Mailing & Overnight Address

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

Follow us