Case Study

 Jan. 2024 Industry Survey $7M Guaranteed SUL

$27K or $20K Premium for $2M Survivorship Life Insurance

Vaper Cuts Life Insurance Premium in Half! Key to Success: Carrier Selection / Underwriting Exception Applicant Summary: F, 26, attorney, vapes daily Needs $3,000,000 20-year level term life insurance Advisor calls CPS Advantage for options for a successful young attorney client already hitting it big!  His problem is that she vapes daily.  His primary insurer […]

Abnormal EKG Negotiated From Table 8 to Standard

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.

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% 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 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 […]