What is COPD? COPD stands for Chronic Obstructive Pulmonary Disease. It refers to two types of respiratory illnesses – chronic bronchitis and emphysema. COPD is characterized by obstruction to airflow that interferes with normal breathing. It’s the third leading cause of death in America. Smoking...

One of our A+ carriers is flying high with their special program for private pilots! Private pilots can qualify for PREFERRED rates if they meet the following criteria:  Have an instrument flight rating (IFR) or 1,000 total flight hours Fly between 25 and 250 hours per year in the U.S. and Canada Demonstrate...

PREFERRED PLUS is possible with one of our A+ carriers for these different medical impairments: Anxiety/Depression/Mood Disorder One episode with duration of less than one year, recovered and no current medication Asthma Mild exercise induced asthma or mild seasonal asthma Carotid Doppler findings...

The thyroid, a butterfly-shaped gland located at the base of the neck, 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 as new technology...

It goes without saying that smoking cigarettes is harmful to your health. Cigarette smoke affects every organ in the body and is a significant factor in cardiovascular disease, lung disease and many cancers. One of our A+ carriers encourages clients to quit smoking!  This carrier has a Quit Smoking...

Gastric ulcers, also known as peptic ulcers, are localized areas of erosion in the stomach lining that result in abdominal pain, possible bleeding and other gastrointestinal symptoms. The most common cause of these ulcers is infection of the stomach by bacteria called Helicobacter pylori (H.pylori)....

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 324 pounds could possibly qualify for Standard...

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, the “good”...

One of our A rated carriers can now offer your clients who use chewing tobacco Preferred Best Non-Smoker rates if their use is limited to twice a month and they have no nicotine in their home office specimen at the time of examination. This is a great opportunity for your occasional tobacco chewers,...

One of our top rated carriers recently made some extensive underwriting improvements in the Preferred rate classes! Take a look at this new criteria in various categories: Personal History (Preferred only):  Personal history now allows certain qualifying cancers including thyroid, uterine, cervical,...