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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16 Feb 2018
Posted by CPS Insurance Services 
One of our carriers rewards clients for their good health by granting credits against their health impairment ratings - resulting in better underwriting classes for permanent plan cases. Studies have proven that people who live healthy lifestyles and who are generally fit, live longer – even if they...
Read more → 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 → 29 Dec 2017
Posted by CPS Insurance Services 
We are ready for the challenge... Bring us your difficult cases and let us help you turn them into policies for your clients and commissions for you. Case study: Female, age 68, Non Smoker Seeking $1 mil of UL Heart attack with two vessel disease and coronary bypass surgery performed 3.5 years...
Read more → 08 Dec 2017
Posted by CPS Insurance Services 
Have you had a case that was recently declined through another source? We may be able to help you find an offer - identifying the silver linings in challenging cases is a specialty of our Underwriting Team. Here is a case study: Male, age 61, NS Seeking $1 mil of term coverage Recently declined...
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...
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