• Home
  • Contact Us
  • Website


  • Advanced Markets
  • Annuities
  • Carrier News
  • Disability Income
  • Life
  • LTC
  • Marketing
    • Mobile
  • Underwriting

Breaking

Social Security Maximization Using Life Insurance

Client's Family History Have You Down? We Have a Solution!

The “Third-Tier” Of Income Protection For Top Wage Earners

Term Insurance: Examining The Conversion Options

Special Needs Planning


Home / Archive by category "Underwriting"

Browsing the "Underwriting" Category

Client’s Family History Have You Down? We Have a Solution!


0 Comment
 27 Jan 2023   Posted by CPS Insurance Services

If you feel challenged with significant adverse family history compromising your client’s ability to achieve Preferred rates, we have a solution. Our Underwriting Team is here to help with all your impaired risk cases. Here are some examples: Example #1 67- year- old male 5’10”, 190 lbs. ...

Read more →
0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


Underwriting Niches Lead To Opportunities To Place More Cases


0 Comment
 20 Jan 2023   Posted by CPS Insurance Services

We know how to elevate your sales.  We are experts when it comes to new and innovative underwriting changes.  We also know which carriers to recommend for your challenging clients. Bottom line, we find ways to say "yes" to your cases. We represent carriers that can offer: Right away to individuals...

Read more →
0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


Using Existing Exam Requirements


0 Comment
 13 Jan 2023   Posted by Trina Snowney

“Can we still use the same exam?" We often hear this question in underwriting.  Perhaps a client recently placed coverage and is considering applying for more.  Or maybe they did not receive the rate class they applied for and wish to apply to a different carrier. Whatever the scenario, it’s...

Read more →
0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


Vaping – Underwriting Non-Combustible Tobacco Use


0 Comment
 06 Jan 2023   Posted by Trina Snowney

Non-combustible tobacco products are those that do not require burning the tobacco for consumption.  Vaping, or electronic cigarettes, is a type of non-combustible tobacco that is heated at a lower temperature to create an aerosol for inhaling. Generally, vaping is rated the same as combustible tobacco;...

Read more →
1 vote, average: 5.00 out of 51 vote, average: 5.00 out of 51 vote, average: 5.00 out of 51 vote, average: 5.00 out of 51 vote, average: 5.00 out of 5


Preferred Is Possible For Thyroid Cancer


0 Comment
 16 Dec 2022   Posted by Trina Snowney

The thyroid is a butterfly-shaped gland located at the front base of the neck.  It produces hormones that regulate heart rate, blood pressure, body temperature and weight. Thyroid cancer occurs when abnormal cells grow in the thyroid gland.  The incidence of thyroid cancer seems to be increasing...

Read more →
1 vote, average: 5.00 out of 51 vote, average: 5.00 out of 51 vote, average: 5.00 out of 51 vote, average: 5.00 out of 51 vote, average: 5.00 out of 5


Get ‘Credit’ For The Work You Do


0 Comment
 09 Dec 2022   Posted by CPS Insurance Services

A carrier’s underwriting assessment involves the review of the overall medical history and the application of crediting tools to improve upon and provide the best underwriting class possible. Here is a case study that demonstrates how credits can make a difference in the sale, by reducing the premiums. ...

Read more →
2 votes, average: 3.00 out of 52 votes, average: 3.00 out of 52 votes, average: 3.00 out of 52 votes, average: 3.00 out of 52 votes, average: 3.00 out of 5


Cholesterol Isn’t Half Bad


0 Comment
 02 Dec 2022   Posted by Trina Snowney

It may surprise you to know that cholesterol itself isn’t bad.  Cholesterol is one of the many substances created and used by our bodies to keep us healthy.  Some of the cholesterol we need is produced naturally while some of it comes from what we eat. There are two types of cholesterol: HDL,...

Read more →
0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


Score With Life Insurance Underwriting Niches


0 Comment
 18 Nov 2022   Posted by CPS Insurance Services

Take a look at some surprising possibilities that can help you win a sale for clients with health impairments. Preferred Plus MAY be available even with the following conditions: Anxiety/Depression/Mood Disorder - One episode, duration of less than one year, recovered, no current medication Asthma...

Read more →
0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


An Underwriting Team That Will Get Your Business Placed


0 Comment
 04 Nov 2022   Posted by CPS Insurance Services

One of the most important aspects to placing more business is a knowledgeable underwriting team to be your advocate for those challenging cases. The Life Underwriting team philosophy is "never say never". We don't give up on a case because it's difficult.  We take on the challenge and look outside...

Read more →
1 vote, average: 5.00 out of 51 vote, average: 5.00 out of 51 vote, average: 5.00 out of 51 vote, average: 5.00 out of 51 vote, average: 5.00 out of 5


Can You Get A Sweet Deal For Challenging Cases?


0 Comment
 28 Oct 2022   Posted by Trina Snowney

Diabetes, there's no way to candy-coat it - this all too common yet serious disease can present some challenges in life underwriting. An estimated 1.4 million Americans are diagnosed with diabetes each year.  Complications can include heart attack, stroke, cardiovascular and kidney diseases. The...

Read more →
0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


12345Next ›Last »



©2013 CPS Integrated Marketing, All rights reserved.
California Corporate License #0815822