Modern day Disability insurers are forever fearful of accidentally over-insuring their clients.  This is particularly true when dealing with highly compensated clients. In the past, the income replacement percentage was often subjectively determined by a particular carrier’s underwriter. As of late,...

Do you have clients who've maxed out their Disability Insurance coverage and could possibly be leaving their retirement unfunded if they got sick or hurt? Try DI Retirement Security (DIRS).  It provides coverage for individuals to help them continue to make retirement contributions if they become...

The average business owner is not prepared to have a spouse or relative step into the business in the event that they were unable to work.  In most cases, any business owner would prefer passing responsibilities to someone who already understands the business and will know how to keep it profitable. Issue...

Over the past couple years we’ve slightly modified the language around Income Protection. The word disability is somewhat alarming and often evokes thoughts of being incapacitated or laid out in a hospital bed – it’s the reason we don’t refer to Life Insurance as Death Insurance. Put in a more...

Everyone knows how hard insurance professionals work to prospect, set appointments, complete the fact-finding process, run quotes, close the deal, fill out and send in forms all just to submit a single Disability Case. The last thing you want is for an application to be held up in underwriting because...

We can help you to write your first DI policy or assist you in generating more production in the Disability Marketplace.  Remember to ask your client’s about how they would pay for their various living expenses in the event that they could not earn their income at work due to sickness or injury. If...

When it comes to enrolling employees in their benefits plan, “easy” isn’t what usually comes to mind, especially now during Q4 and a COVID environment.  That’s why CPS has Partnered with Enrollment Teams to offer tailored solutions for companies working virtually and those working on site. We...

Think Pink.  Think Compassion.  Think Care.  Think Ahead. October is Breast Cancer Awareness Month.  Agents and brokers, reach out and talk with your clients about what they can do today to make things easier should the unexpected happen. While the chances of surviving a critical illness such as cancer,...

Protecting one’s ability to earn an income remains among the most important financial planning goals for many individuals. Without income, many financial strategies can simply derail. Yet, many employees with employer paid LTD plans could be under-insured in the event they became too sick or injured...

A majority of employees have Disability Income coverage sponsored by their employer.  However, they are unaware of how much coverage their plan would provide if they were to be too sick or hurt to work. Many individuals live with a false sense of security regarding their Income Protection plan – believing...