Stefan Bruckel
About Stefan Bruckel
Posts by Stefan Bruckel:
Your Will Alone Won’t Guarantee Your Money Goes to Your Heirs
Your Will Alone Won’t Guarantee Your Money Goes to Your Heirs
The Taxation of Life Insurance
The taxation of life insurance provides financial professionals with a comprehensive review of some of the more obscure rules.
Life Underwriter Reduces Premium From $50,985 to $15,960
Our medical underwriting directors were able to renegotiate underwriting for a client with hepatitis b and recreational marijuana use. He needs $2.5M level term life insurance for 20 more years. The rating dropped from table E to non-smoker plus without a rating, cutting the premium to about 1/3 of the original offer. The case was placed last week.
Underwriting Elevated Liver Functions
Underwriting Elevated Liver Functions Key Considerations Insurer selection is key to achieving favorable outcomes Key variables: cause of the elevated liver functions; level of elevation of liver enzymes over time; alcohol use pattern; build; The more information we have about your client in advance of an application, the more accurate our carrier recommendations and preliminary […]
$15M Exam and Lab Free Life-Insurance
$15M Exam and Lab-Free Life Insurance Key to Success: Carrier Selection / Underwriting Exception Applicant Summary: M, 58, Healthy Executive, No Tobacco Use Need: $100,000,000 of Life Insurance to Pay Death Taxes Advisor calls CPS Advantage to line up $100M life insurance on a client to cover a portion of estate taxes. The client already […]
Chinese Citizen & Resident Super Preferred
Chinese Citizen & Resident Super Preferred Key to Success: Carrier Selection / Underwriting Exception Applicant Summary: M, 45, NT, Healthy, Chinese Citizen & Resident Need: $5,000,000 Keyperson Term Life Insurance Advisor calls CPS Advantage for a Second Underwriting Opinion on a new client who needs $5M keyperson term life insurance. The insured, a Chinese citizen […]
Avocation Exclusion Rider Cuts Premium by 82%
Avocation Exclusion Rider Cuts Premium by 82% Key to Success: Carrier Selection / Underwriting Exception Applicant Summary: M, 41, NT, Super Healthy Executive, Rock / Mountain / Ice Climber Need: $7,500,000 of Level Term Business Life Insurance Advisor calls CPS Advantage for a Second Underwriting Opinion on a new client who needs $7.5M term life […]
Private Pilot Without Flat Extra
Private Pilot Without Flat Extra Key to Success: Carrier Selection / Underwriting Exception Applicant Summary: M, 32, NT, Healthy, Student Pilot with 40-50 Flight Hours Need: $5,000,000 of Level Term Life Insurance Advisor calls CPS Advantage for a Second Underwriting Opinion on a new client who needs $5M term life insurance to protect his young […]
Renewed Underwriting Saves $22,486 in Life Insurance Premium
Renewed Underwriting Saves $22,486 in Life Insurance Premium
