30 Jan 2023
Posted by Rob Reedy 
Are you working with wealthy clients that are at or near retirement age? If so, some of these clients may be collecting Social Security income benefits that they don't need. Life Insurance can be used as a powerful tool to leverage Social Security payments for future generations. Here is a case...
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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 → 25 Jan 2023
Posted by Thomas Nicols 
The need for income protection in this country is clear – statistics show a common lack of personal savings amongst the majority of households. And top earners are not immune. Although major corporations typically provide Disability Insurance (DI) through employer sponsored programs or voluntary...
Read more → 24 Jan 2023
Posted by Tom Virkler 
By the end of the story the pigs have begun to walk upright and they carry whips. Promised improvement in conditions for other citizens have been forgotten. And the Seven Commandments that were to serve as the foundation for the common democracy have been reduced to just one: All animals are equal,...
Read more → 23 Jan 2023
Posted by CPS Insurance Services 
Someone who loves and cares for a family member with special needs may be concerned about ensuring that their loved one continues to receive the care he or she needs throughout their lifetime. How can you build a foundation for the future of your client's family member with enough resources to maintain...
Read more → 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 → 19 Jan 2023
Posted by Matt Anderson 
Traditional Long-Term Care Insurance placement rates have suffered due to carriers offering more stringent underwriting guidelines - declines on one spouse or the other and policies issued at rate classes greater than applied for have caused a spike in policies not taken or accepted by one or both of the insureds. ...
Read more → 18 Jan 2023
Posted by Thomas Nicols 
Are you looking to increase your personal production and income? One straightforward way to generate additional sales with existing clients is to offer a Disability Income Benefit Review. Many clients already have group Long-Term Disability (LTD) benefits in place, but are unaware of the potential...
Read more → 17 Jan 2023
Posted by Tom Virkler 
Why is it good to have a runner on second base? Two reasons: first, he’s in “scoring position” where a well-placed single will drive him home; and second, he can see the signals the catcher is giving the pitcher and pass them on to the batter. In this subtle game of refined skills, anticipating...
Read more → 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...
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