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 I know...

Vaping and E-cigarette use has increased considerably in recent years. These battery-powered devices heat up liquid to create an aerosol that usually contains nicotine, flavorings and other additives. They are an alternative to traditional cigarettes and often used to assist with smoking cessation. In...

Asthma is a disease that affects the lungs and results in temporary narrowing of the airways. Symptoms include difficulty breathing, wheezing, coughing and tightness in the chest. It affects over 8% of adults in the United States. Diagnosis and severity of asthma is determined by lung function testing...

Epilepsy is a disorder characterized by recurring seizures. Diagnosis is typically made when a person has had two or more seizures. Seizures are a result of disturbances in the electrical activity of the brain. There are many causes including genetics, traumatic brain injury, stroke and brain tumors....

The CPS Underwriting Department can help you make the sale for your clients whose heavy build may be weighing down a chance for a favorable underwriting decision. The Reality: 71% of American adults are considered overweight and nearly 40% considered obese 20% of American adolescents ages...

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 top rated carriers made changes to their wellness crediting program to automatically give clients who maintain a healthy lifestyle the potential to be upgraded to a better underwriting offer and price. This program is open to: All Ages All Face Amounts Most of their product line...

A top carrier has recently re-evaluated their underwriting practices for Active Military Personnel. In light of the varying details each individual presents, military personnel will be underwritten on a case by case basis. Take a look at what is taken into consideration during the underwriting assessment: ...

Did you know: The liver produces all the cholesterol our body needs, however, dietary cholesterol (taken in through the foods we eat), causes the liver to send even more cholesterol into the bloodstream. High cholesterol can cause fatty build up in the arteries which increases our risk of heart...

Parkinson’s disease affects about one million people in the United States and ten million worldwide. The cause remains largely unknown. Although there is no cure, treatment options vary and include medications and surgery. One of our A+ carriers takes a responsibly aggressive approach to underwriting...