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Underwriting solutions

Medical doctors providing underwriting solutions

negotiating exceptinal underwriting solutions

Several highly rated brand name life insurers offer exceptional underwriting solutions for the most challenging medical impairments.  Unfortunately, there is no one best insurer for all risks.  Therefore, the most efficient underwriting strategy requires the gathering of a few key facts up front, negotiating those with several insurers, and running illustrations to come up with our industry’s best solution.  You and your client save time by knowing where to apply formally.

CPS Advantage has focused on the impaired risk market since the 1980s.  With several hundred cases in underwriting at any given time, we know who to lean on to make that exceptional offer.

Have confidence!  There is almost always a workable solution.  On rare occasion, that might require a simplified issue, a guaranteed issue, or an accidental death policy.  Let’s talk & identify your client’s best option!

Underwriting Guidelines & Questionnaires:

Best possible underwriting results can be achieved via a combination of pre-application fact finding, intelligent strategy, and close coordination between the insurance buyer, the advisor, and our underwriting teams.

Best Practices:

Medical Condition Questionnaires:

For other underwriting challenges, please contact your CPS Advantage representative, or send an email with details to  We look forward to negotiating our industry’s top solution for your client.
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CA Corp. Insurance License: 0E02059

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 Mailing & Overnight Address

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

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