*|MC_PREVIEW_TEXT|* View this email in your browser WSJ: The Moves Wealthy Families Are Making to Skirt Estate Taxes How dynasty trusts can shield wealth before the Trump tax cuts expire Who is Impacted? Tax payers with a net worth of $10M+ ($20M for married couples) What’s Changing? […]
The Moves Wealthy Families Are Making to Skirt Estate Taxes
Tobacco Underwriting Exceptions Key Considerations Goal: qualify tobacco users for non-tobacco life insurance rates, finding the right exception, cutting their premium in half Insurer selection is key to achieving favorable outcomes Key variables: how the tobacco is consumed, the type of product used, frequency of use, the date of most recent use, and whether the […]
Underwriting Past Cocaine Use Key Considerations Insurer selection is key to achieving favorable outcomes Favorable underwriting variables: No other drug use No excessive alcohol use / DUIs No criminal record Not diagnosed with anxiety or depression Stable employment, family life We get many inquiries from Advisors whose life insurance applicants tested positive for cocaine on […]
Underwriting Skin Cancer Key Considerations Insurer selection is key to achieving favorable outcomes Type of skin cancer: basal cell carcinoma, squamous cell carcinoma, or malignant melanoma Key variables for melanoma: date of diagnosis, TNM score, Clark’s Level, Breslow Score, ulceration, # of mitosis per mm, # of melanomas, lymph node involvement, date since last treatment, […]
CPS Advantage
6444 E. Spring Street #287
Long Beach, CA 90815
