There are times when one pesky impairment keeps a case from getting a Preferred or better offer.  It may even lead to a loss of the sale. One of our carriers has an underwriting program that can give that little push needed to get Preferred classes and help to make the sale. This program allows for a one class...

The idea of getting your client examined for life insurance can be a challenge. Asking for a second exam after one was done in the not so distant past can jeopardize a sale.  Worry no more. Consider the Following: A 70 year-old female applied for $10 million of life insurance coverage with another...

The CPS Underwriting Department can help you make the sale for your clients whose weight is an issue. One of our A+ carriers takes an aggressive approach to underwriting build cases. Some case examples that may surprise you: A man who is 6’ 0” and 305 pounds could possibly qualify for Standard...

Imagine the thought of not being able to take in a breath, then suddenly gasping for air when you’re able to breathe in again.  Now, you’re probably thinking to yourself this sounds a lot like the feeling you sometimes get with certain not-so-favorable offers on impaired risk cases! All kidding...

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

Long-Term Care and the cost of care can be overwhelming for most.  In the past, traditional stand-alone LTC policies were the only way to insure long-term care expenses. These days, there are more ways to obtain this valuable coverage – including LTC riders on Life Insurance policies. Underwriting...

Just as basketball fans had to get used to the 3-point shot first debuted by the NBA in the 1979-80 season, we must get used to current trends in underwriting. A new blood test was introduced into the game and has been around for several years now.  It's called the proBNP. What is it?  The proBNP...

In the years leading up to the development of Type 2 diabetes, most individuals go through an asymptomatic condition called pre-diabetes.  During this time, fasting blood sugar levels may be slightly elevated and there may be other signs of disruptions in normal metabolism, such as high triglycerides,...

We don't always think of underwriting as a gift, but it can be. Presenting a Case Study: We received an app for a 66 year old male client seeking $1.2 mil of term coverage to cover a $1.2 mil business loan.  The challenge was that this man had not seen a doctor in well over 5 years, and his insurance...

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 1.7 million Americans are diagnosed with diabetes each year.  Complications can include heart attack, stroke, cardiovascular and kidney diseases. The...