14 Sep 2018
Posted by Laura Butler 
One of our A+ rated carriers has underwriting crediting programs that will benefit more of your clients. Here's an example: Seeking UL coverage 55-year-old male, lifelong non-smoker Moderate rheumatoid arthritis using Humira Well controlled blood pressure and lipids Normal Stress test...
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31 Aug 2018
Posted by Trina Snowney 
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...
Read more → 17 Aug 2018
Posted by Laura Butler 
Prostate Cancer – What is prostate cancer? Prostate cancer occurs when cells in the prostate gland grow out of control. Some prostate cancers can grow and spread quickly but most grow slowly. There are often no early prostate cancer symptoms, but some men have urinary symptoms and discomfort. Prostate...
Read more → 10 Aug 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...
Read more → 03 Aug 2018
Posted by Laura Butler 
Diabetes is a metabolic disease in which a person has high blood sugar either because the body does not produce enough insulin or because cells do not respond to the insulin that is produced. The most well known types of diabetes are: Type 1 (treated with insulin) Type 2 (treated with a combination...
Read more → 27 Jul 2018
Posted by Trina Snowney 
Asthma is a chronic inflammatory disorder of the air passages that results in temporary narrowing of the airways. Symptoms include difficulty breathing, wheezing, coughing and tightness in the chest. It affects over 7% of adults in the U.S. Spirometry is a lung function test used to diagnose and determine...
Read more → 20 Jul 2018
Posted by Laura Butler 
It’s summer time and we all want to be in great shape! This A+ carrier will help you shape up for the summer and beyond. With underwriting strengths in many aspects, think of this carrier as your personal trainer! Occasional cigar users (one per month or less) can qualify for Preferred Plus,...
Read more → 13 Jul 2018
Posted by Laura Butler 
What is a-fib (atrial fibrillation)? Basically, AF is an abnormal rhythm of the heart that is manifested as a rapid, irregular pulse. Some people who have AF are unaware of their condition, but more often they complain of palpitations (rapid, fluttering or pounding). Symptoms of shortness of breath,...
Read more → 29 Jun 2018
Posted by Trina Snowney 
- About 1 in 8 women in the US will develop invasive breast cancer over the course of her lifetime. - As of January 2018, there are more than 3.1 million breast cancer survivors in the US. - A woman’s risk of breast cancer nearly doubles if she has a first-degree relative (mother, sister, daughter)...
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15 Jun 2018
Posted by CPS Insurance Services 
If you feel challenged with significant adverse family history compromising your client’s ability to achieve best rates, one of our 'A' rated carriers has a solution. Here are some examples: Example #1 67- year- old male 5’10”, 190 lbs. BP averages 140/84, total cholesterol 218,...
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Life Insurance 101 In Just Three SheetsAnnuity Rate IncreaseUpgrades In Underwriting