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http://www.cpsinsurance.com

Questions? Contact our Sales Teams at (949) 863-0700. Life Insurance - Option 1 / Annuities - Option 2 / LTC - Option 3 / DI - Option 4.

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Happy Labor Day from CPS!

Happy Labor Day Weekend!

Labor Day is dedicated to the social and economic achievements of American workers. Enjoy, relax and celebrate with your family and friends.

Our office will be closed on Monday, September 1st, in observance of the holiday.  We will resume normal business hours on Tuesday, September 2nd.

If you need any information, forms or quotes, please visit our website www.cpsinsurance.com.

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Preferred Is Possible For Thyroid Cancer

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 is allowing doctors to find small thyroid cancers that may not have been found in the past. The most common type of thyroid cancer is papillary carcinoma and has a good prognosis, particularly in individuals less than 50 years old.

One of our A+ carriers takes an aggressive approach to underwriting thyroid cancer and in some cases, can offer Preferred rates.

Take a look at this case study:
  • Female, age 43, non smoker
  • Stage I papillary thyroid cancer diagnosed and treated 2 years ago
  • Completes regular physician follow ups
  • May qualify for PREFERRED Non Tobacco rates
Contact our Underwriting Team on your thyroid cancer cases and lets work together to get the offer you need!
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Approaching LTCI For Couples With No Children

The need for long-term care does not discriminate. No matter what your income is, your marital status, or any other demographics that come into play – when you need long-term care, you need long-term care.
 
Clients with families and children typically consider themselves to have a “default” caregiver, someone who will always be on call if they were to encounter a long-term care situation. But what about your clients who do not have any children? How do they approach their need for long-term care?
 
Although couples may face the same long-term care risk as families with children, their situation may create a different set of challenges.

Not having a “default” caregiver in the form of a child can force your clients to think creatively about their long term care strategy.

Ask your clients, how do they want to live their life?
 
Living life without children opens up new possibilities and introduces some unique challenges. They may have more freedom to delve into their career and explore their interests. Yet, they may need to put more thought into long-term care than people with kids.
 
They could have a heightened need for professional assistance, since an adult child won’t be “on call” when and if they need help. And, if they’re part of a couple, they might bear a greater part of the work of providing care than they would if they had children.
 
Accidents, chronic illness, or simply the effects of aging could all result in a need for long-term care in the future. That’s why it’s important for everyone to take steps to preserve their quality of life and financial assets as they age.
 
We’re here to help you design a plan that is both affordable and provides the best solution for your clients’ needs. Contact your LTCI Sales Rep for guidance.
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The “Third-Tier” Of Income Protection For Top Wage Earners

The need for income protection in this country is clear – statistics show a common lack of personal savings amongst the majority of households. And top earners are not immune.
 
Although major corporations typically provide Disability Insurance (DI) through employer sponsored programs or voluntary employee-funded group DI plans, most physician and executive programs insufficiently limit benefits to a fraction of earned income – creating a great financial shortfall for high-income individuals.
 
The answer? A prescription of raised limits of DI throughout the market.

A high-cap excess personal DI is a great way for physicians, attorneys, accountants, and white-collar executives to find appropriate levels of economic safeguard.

We can provide a variety of “third-tier” Income Protection products to meet your client’s needs – and ensure the financial safety of your affluent and under-insured clientele.
 
The plan can be as simple or comprehensive as your clients’ needs require.
 
Securing individual DI is another obvious step – but again, traditional domestic disability carriers frequently fall short with their maximum issue limitations. If you have any clients or prospects who are making over $250,000 annually, they should be insured at least up to 65% to 75% of their earnings. Their protection needs may not be met by group coverage even with the addition of a layer of individual DI. The bundling of group and individual DI alone is not always a sufficient solution.
 
As a life/health insurance advisor, you know better than anyone that a sudden injury or prolonged illness can happen to anyone at any stage of their professional career.
 
Contact your DI Specialist for more information on “Third-Tier” coverage.
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Highest Cap in the Industry, A++ Carrier, Strong Renewal Rate History

MassMutual Ascend recently released the renewal rate history on its flagship American Legend 7 Fixed Indexed Annuity (FIA)—and the numbers speak for themselves. The product currently offers a 10.5% S&P 500 cap, tied for the highest among A- or better rated carriers, and is backed by an A++ (Superior) financial strength rating.

What truly sets the Legend 7 apart is its renewal rate history—especially on the S&P 500 cap.

Many FIAs advertise attractive first-year caps only to reduce them sharply in later years. This can erode long-term growth potential and client confidence. By contrast, MassMutual Ascend has demonstrated one of the strongest renewal track records in the industry, keeping renewal caps close to initial levels year after year.

This matters because the S&P 500 cap is often the core growth driver inside an FIA. When caps are maintained at competitive levels, clients see more consistent crediting opportunities over time. Advisers can position this as not just a short-term product, but a reliable long-term accumulation vehicle.

For clients, the Legend 7 offers:
  1. Competitive Growth – A 10.5% S&P 500 cap, among the best available
  2. Principal Protection – Zero downside risk from market losses
  3. Renewal Strength – A proven history of cap consistency, reducing the risk of “bait and switch” disappointment
  4. Carrier Confidence – Backed by MassMutual Ascend’s A++ financial strength

In today’s environment, where rates are high but stability is uncertain, the Legend 7 FIA combines industry-leading upside potential with renewal consistency and rock-solid backing—making it one of the most compelling choices for advisers and their clients.

Call your annuity consultant today to see where this fits in your book.

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6 Core Needs Of Business Clients – And How We Can Help

Are you talking to your clients about Business Insurance? If not, you may feel that it would take years to become an expert.

We can help you provide free business evaluation services to your clients today!

We will help to address your business clients’ six core needs:
  1. Retirement Income
  2. Exit Planning
  3. Income Protection
  4. Business Protection
  5. Wealth Transfer
  6. Survivor Income
A sales associate will work with you to provide business case expertise and top-notch service before, during and after the sale! We will help you navigate through the planning process.
 
The process includes, but is not limited to:
  • Learn the Business Planning Services Approach
  • Learn whom to approach
  • Learn to build marketing campaigns
  • Help clients find the value of their business
  • Help clients review their buy-sell agreements
  • Help clients understand the reports
  • Help clients create an action plan
Working the process thoroughly will help your clients gain perspective on the value of their business, and identify any planning opportunities in their current buy-sell arrangements. Contact us today to learn more about this comprehensive service.
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Credit Where Credit Is Due – Helping You Make The Sale!

Diabetes is a metabolic disease in which a person has high blood sugar either because the body does not produce enough insulin or because cells do not respond to the insulin that is produced.
 
The most well known types of diabetes are:
  • Type 1 (treated with insulin)
  • Type 2 (treated with a combination of diet, exercise and oral medications) and
  • Gestational diabetes (a type of diabetes which occurs during pregnancy.)
When diabetes is coupled with a client who is not an ideal weight, the underwriting class will increase.

Crediting programs can help give credit where credit is due – applying health and lifestyle credits to provide the best possible offer.

Let’s take a look at this case study:
  • 54-year-old female
  • Non-tobacco user
  • Applying for $1 million of Term Life
  • Has type 2 diabetes; treated with Metformin
  • Build is 5′ 3″, 220 lbs
Initial work-up – Table 4
 
The client received credits for:
  • Lifetime non-smoker
  • Income > $100,000
  • Preferred or better driving record
  • Negative cardiac testing
  • Controlled blood pressure
Once those positive credits were applied, this client went from Table 4 to an Underwriting Offer of Table 2.
 
Contact our Life Underwriting Team today – let’s work together to make your next sale!
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Your Clients Aren’t Average – Why Is Their Long-Term Care?

Some carriers like to claim that your clients don’t need Long-Term Care (LTC) protection beyond the average length of a care need. But preparing for only the average length of a care need can leave a large gap.
 
The Story of Averages
 
The average length of an LTC need is typically longer for women than men (3.7 years vs 2.2 years). However, in a survey of leading long-term care insurers, that story of averages doesn’t hold up.
 
With five of the seven carriers, men met or exceeded the length of claim for women, with each exceeding a million dollars! Planning for the average would’ve only covered a fraction of the cost.

The belief that average lengths of care are sufficient could create one of the most devastating financial decisions in life.

Addressing only the average care need excludes the possibility of a life-long diagnosis like Alzheimer’s or Parkinson’s. Lifetime protection is the only way to ensure that every client has exactly the amount of protection that they need, whether it’s for two months, two years, 20 years or more.
 
Your clients aren’t average, and their LTC protection shouldn’t be either. Contact us to learn more about Continuation of Benefits options, including Lifetime, to help your clients be protected against costly LTC needs.
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Have You Heard About The M.U.G. Plan?

The M.U.G. plan is a new innovative Disability Insurance sales concept that helps provide your clients with funds in the event they become disabled.

This simple approach will help open doors to new opportunities and possibly allow you to up-sell to clients who need more coverage.

The M.U.G. plan is designed to cover:
  • Mortgages
  • Utilities
  • Groceries
This policy is designed to be more affordable than a comprehensive coverage policy and still provide income to help pay for a clients mortgage, utilities and groceries if they are unable to work due to a disability.
 
The M.U.G. plan helps eliminate client confusion regarding how much insurance coverage is actually needed. Simply ask your client how much do you spend each month on your mortgage, utilities and groceries?
 
To learn more about the M.U.G. plan and how to approach your clients about Disability Income Insurance contact your Disability Income Insurance Specialist today.
 
Download the customizable marketing flyer for the M.U.G. plan below.
 
Return the completed flyer to your Marketing Representative for a meaningful recommendation of protection for your clients.
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Unlock 9%: New Standard in Guaranteed Income Starts Here 💸 Thursday, August 28th

The Power of Now: 9% Fixed Rate + Lifetime Income, No Waiting

Thursday, August 28th – 11.00 AM to 11.30 AM PST

REGISTER NOW

With U.S. markets at all-time highs, many clients value competitive, guaranteed fixed rates with flexibility to reallocate to index strategies long term.

This carrier is now offering a high first-year fixed rate, up to 9%, that’s ideal for clients seeking:
  • Income Soon: Get a guaranteed increase to the benefit base in year one, then take a higher lifetime income benefit in year two
  • Short-Term Market Risk Mitigation: Secure a compelling fixed rate for the first year with flexibility to reallocate at future anniversaries
In addition to the strong year 1 fixed strategy this carrier also offers:

✅ Up to 8.50% payouts guaranteed for life with no reductions for joint life
✅ Fast activation – income can start in just 30 days
✅ Guaranteed Cap rates – locked in for the full contract term
✅ Proven renewal history – strong carrier track record
✅ 2025 commission boosts – starting at just $1M!

Please join us to learn how to offer your clients top-of-market guaranteed early income with strong guaranteed rates.

Questions? Contact the CPS Annuities Team at (949) 863-0700 Option 2.

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