Chronic Obstructive Pulmonary Disease, or COPD, refers to two types of respiratory illnesses – chronic bronchitis and emphysema. COPD is characterized by obstruction to airflow that interferes with normal breathing. It is the third leading cause of death in America and smoking is the primary risk...

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...

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...

What is Rheumatoid Arthritis? Rheumatoid Arthritis (RA) is an autoimmune disease that causes chronic inflammation of the joints. Rheumatoid Arthritis can also cause inflammation of the tissue around the joints, as well as in other organs in the body. Autoimmune diseases are illnesses that occur when...

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....

Atrial fibrillation (AF or A-fib) is the most common cardiac arrhythmia (abnormal heart rhythm.) It’s a common cause of irregular heartbeat, identified clinically by taking a pulse. Chaotic electrical activity in the two upper chambers (atria) of the heart result in the muscle fibrillating (i.e....

The thyroid is a butterfly-shaped gland located at the front base of the neck. It produces hormones that regulate heart rate, blood pressure, body temperature and weight. Thyroid cancer occurs when abnormal cells grow in the thyroid gland. The incidence of thyroid cancer seems to be increasing as new technology...

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...

Gastric ulcers, also known as peptic ulcers, are localized areas of erosion in the stomach lining that result in abdominal pain, possible bleeding and other gastrointestinal symptoms. The most common cause of these ulcers is infection of the stomach by bacteria called Helicobacter pylori (H.pylori)....

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...