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A Sweeter Deal – Impaired Fasting Glucose


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 18 May 2018   Posted by Trina Snowney

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,...

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Scuba Diving For Preferred?


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 11 May 2018   Posted by CPS Insurance Services

One of our carriers follows an aggressive approach when it comes to underwriting clients actively engaged in recreational or technical scuba diving. Here’s an example: 37-year-old male non-tobacco 5’11”, 185 pounds Blood pressure 130/80 Total cholesterol 235 and Chol/HDL ratio...

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The Key To Success: Answering Your Underwriter’s Questions Before They Ask Them


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 04 May 2018   Posted by CPS Insurance Services

If you were an underwriter and received the following application on your desk, what questions would you have?: Female, age 35 Noted to be retired with no annual income; Net worth left blank on the app Seeking $8 million of term coverage; Purpose of coverage left blank on the app You'd...

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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


Impaired Risk Underwriting – Standard Plus Power


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 20 Apr 2018   Posted by CPS Insurance Services

One of our carriers bases pricing of their table rated cases off of ‘Standard Plus’ rates, rather than ‘Standard’ rates like most of the others. This pricing feature could make a significant difference to your clients' with multiple health impairments. Here is a success story: 46 -year...

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Credit for Older Age Clients With An Abnormal pro-BNP


2 Comments
 23 Mar 2018   Posted by CPS Insurance Services

Life insurance carriers have been utilizing a blood test on their lab panels called the proBNP. The proBNP blood test is a marker for overall cardiovascular risk and a marker of long-term mortality in individuals with heart disease.  An abnormal proBNP in the absence of cardiac symptoms also has prognostic...

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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


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 16 Mar 2018   Posted by Laura Butler

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. 54-year-old...

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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


Expedite Cases With Field Underwriting


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 09 Mar 2018   Posted by Laura Butler

There, I've said it - the unjustifiably dreaded "F" word - FIELD Underwriting. Nothing makes an underwriter happier than details to health histories - except maybe chocolate. Definitely chocolate!  If I'm being honest, typed medical records and legible handwriting are close seconds - but I digress… When...

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An Underwriting Team That Will Get Your Business Placed


2 Comments
 02 Mar 2018   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 CPS 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...

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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


Live The Good Life And Get Rewarded


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 16 Feb 2018   Posted by CPS Insurance Services

One of  our carriers rewards clients for their good health by granting credits against their health impairment ratings - resulting in better underwriting classes for permanent plan cases. Studies have proven that people who live healthy lifestyles and who are generally fit, live longer – even if they...

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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


Underwriting Outcomes That Will Make Your Heart Skip A Beat


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 10 Feb 2018   Posted by Trina Snowney

It’s mid-February and love is in the air! An abundance of chocolate filled heart-shaped boxes and flower bouquets line the store shelves. So, what better time than now to talk about underwriting and “matters of the heart”? Cardiac related impaired risk cases can get somewhat challenging in underwriting....

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