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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.  There is almost always a workable solution.  On rare occasion, that might require a simplified issue, a guaranteed issue, or an ADD policy.

We are currently updating our impaired risk underwriting guides and questionnaires.  We’ve begun to post revisions below.  For all other impairments or underwriting challenges, please contact your CPS Advantage representative, or send an email with details to  We look forward to negotiating a winning solution!

Underwriting Guidelines & Questionnaires:

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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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