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Breast Cancer Awareness Month: Making A Difference For Breast Cancer Survivors

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13 Oct 2017

Posted by CPS Insurance Services

It's Breast Cancer Awareness Month - a time to consider opportunities for your clients who are breast cancer survivors. Improvements in early detection and long-term cancer treatment outcomes have provided enough evidence for life insurance carriers to revise their underwriting guidelines - resulting...

1st And Goal: A Carrier Winning Play In Underwriting

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29 Sep 2017

Posted by Trina Snowney

Have you ever had a case resistant to the end zone, defeated by a carrier’s strong defense? On the field of impairment risk underwriting and in a contest of carrier vs. carrier, the final scoreboard can be unpredictable. LET'S REVIEW THE HIGHLIGHT REEL OF A RECENT CASE TO GET TO A CARRIER WINNING...

The Gift Of Underwriting

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15 Sep 2017

Posted by Trina Snowney

We don't always think of underwriting as a gift, but it can be. Presenting a case study: We received an app for a 66 year old male client seeking $1.2 mil of term coverage to cover a $1.2 mil business loan. The challenge was that this man had not seen a doctor in well over 5 years, and his insurance...

Expedite Cases With Field Underwriting

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08 Sep 2017

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...

Non-Smoker Rates For Your “Other Tobacco” Users – Yes, It Can Be Done

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25 Aug 2017

Posted by CPS Insurance Services

"Other tobacco" product use in the United States has increased dramatically over the past 20 years. This includes the use of cigars, pipes, chewing tobacco, the nicotine patch and Nicorette Gum. Not surprisingly, most of these users think they can only qualify for Tobacco rates when applying for life...

Score With Life Insurance Underwriting Niches

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11 Aug 2017

Posted by CPS Insurance Services

Take a look at some surprising possibilities that can help you win a sale for clients with health impairments. Preferred Plus MAY be available even with the following conditions: Anxiety/Depression/Mood Disorder - One episode, duration of less than one year, recovered, no current medication Asthma...

A Chronic Illness Rider You Just Can’t Deny

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28 Jul 2017

Posted by Trina Snowney

We all know the value that long-term care coverage provides to your clients. But there are times when our clients have certain impairments, making it difficult to qualify for a stand-alone LTC policy, or even a LTC rider. If you have a client who was previously turned down for this valuable coverage,...

LTC Underwriting V.S. Life Underwriting

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14 Jul 2017

Posted by Trina Snowney

Long-term care and the cost of care can be overwhelming for most. In the past, traditional stand-alone LTC policies were the only way to insure long term care expenses. These days, there are more ways to obtain this valuable coverage – including LTC riders on Life Insurance policies. Underwriting...

Upgrades In Underwriting

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16 Jun 2017

Posted by Trina Snowney

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 to the Preferred classes and help to make the sale. This program allows...

Endless Solutions For Endless Sales

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02 Jun 2017

Posted by Laura Butler

It's the time of year when you head out to the golf course for an early tee time to avoid the heat. You and your golf buddy are paired up to make a foursome - and as you chat with your new teammates, you learn that travel is an integral part of their lives. One gentlemen travels frequently to foreign...