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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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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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...
Read more → 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,...
Read more → 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...
Read more → 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...
Read more → 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...
Read more → 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...
Read more → 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...
Read more → 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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