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Home / Archive by category "Underwriting"

Browsing the "Underwriting" Category

Credit for Older Age Clients With An Abnormal pro-BNP


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 23 Mar 2018   Posted by CPS Insurance Services

Life insurance carriers have been utilizing a blood test on their lab panels called the proBNP. The proBNP blood test is a marker for overall cardiovascular risk and a marker of long-term mortality in individuals with heart disease.  An abnormal proBNP in the absence of cardiac symptoms also has prognostic...

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1 vote, average: 5.00 out of 51 vote, average: 5.00 out of 51 vote, average: 5.00 out of 51 vote, average: 5.00 out of 51 vote, average: 5.00 out of 5


Get ‘Credit’ For The Work You Do


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 16 Mar 2018   Posted by Laura Butler

A carrier’s underwriting assessment involves the review of the overall medical history and the application of crediting tools to improve upon and provide the best underwriting class possible. Here is a case study that demonstrates how credits can make a difference in the sale, by reducing the premiums. 54-year-old...

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2 votes, average: 3.00 out of 52 votes, average: 3.00 out of 52 votes, average: 3.00 out of 52 votes, average: 3.00 out of 52 votes, average: 3.00 out of 5


Crohn’s Disease + Stability And Credits = Standard


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 12 Jan 2018   Posted by Laura Butler

Crohn’s Disease is a chronic inflammatory disease of the intestines. It’s usually found in the last part of the small intestine and the first part of the large intestine, however it can develop anywhere in the digestive tract. This is a disease that can be managed with medication, but not cured. CPS...

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1 vote, average: 4.00 out of 51 vote, average: 4.00 out of 51 vote, average: 4.00 out of 51 vote, average: 4.00 out of 51 vote, average: 4.00 out of 5


Make This The Year Of Underwriting KAPOW!


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 05 Jan 2018   Posted by CPS Insurance Services

Let us help you place more cases this year! We all know life underwriting is like a cosmo: complex, yet often orderly. Lean on us to help you navigate the cosmos and provide the best offers for your clients with challenging histories. Have a client who is a newly diagnosed diabetic? Better yet,...

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0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


Underwriting That Will Make Your Heart Skip A Beat


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 10 Nov 2017   Posted by CPS Insurance Services

One of our A rated carriers is up for the challenge of underwriting your heart disease cases with an aggressive stance. Here's a case study: Male, age 68, Non-Smoker / Seeking $3 million of permanent plan coverage Two vessel cardiac disease (90% blockage of one coronary artery and 80% blockage...

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0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


Rest Easy – Preferred Is Possible On Sleep Apnea Cases


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 03 Nov 2017   Posted by Trina Snowney

Sleep apnea is a serious sleep disorder. If left untreated, it can result in a growing number of health problems including high blood pressure, stroke, heart failure, diabetes and depression. Here’s the good news – it is possible to get Preferred considerations on successfully treated sleep apnea. If...

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0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


Lets Go Table Shaving And Credit Picking For The Fall Harvest


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 27 Oct 2017   Posted by CPS Insurance Services

Special underwriting table shaving and crediting programs for your clients who want lifelong protection can come and go like leaves on a tree. This fall, we'd like to highlight the leaders who are helping us obtain offers that may otherwise seem impossible: Table Shaving: Four carriers offer the traditional...

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0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


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...

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0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


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...

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0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


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...

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0 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 50 votes, average: 0.00 out of 5


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