Back in elementary school we called the game Gossip.  You know, everybody got in a circle and the first kid started a story by whispering it into the ear of the person to the left and then he or she passed it on until it had gotten all the way around.  The last person would relate the story to the whole...

An Underwriting success story about how a postponed case was turned around. Here are the details: 71- year- old female looking to replace $1 million of guaranteed UL coverage Postponed informally due to recent labs in the APS showing severe anemia Case was discussed in more detail with the carrier...

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...

Getting life insurance for clients with a history of breast cancer can be challenging, but thanks to one of our A+ carriers, more of your clients with a history of breast cancer could be eligible for favorable rates. Take a look at these case studies: Case Study #1: 60 year old female who was diagnosed...

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,...

Obesity in the United States has been increasingly cited as a major health issue in recent decades.  While many industrialized countries have experienced similar increases, obesity rates in the United States are among the highest in the world. There are several types of surgeries that fall under...

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...

There are times when one pesky impairment keeps a case from getting a Preferred or better offer.  It may even lead to a loss of the sale. One of our carriers has an underwriting program that can give that little push needed to get Preferred classes and help to make the sale. This program allows for a one class...

The idea of getting your client examined for life insurance can be a challenge. Asking for a second exam after one was done in the not so distant past can jeopardize a sale.  Worry no more. Consider the Following: A 70 year-old female applied for $10 million of life insurance coverage with another...

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 305 pounds could possibly qualify for Standard...