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Narcotic Exclusion Rider
The Problem: Narcotic Prescribed by “Buddy” Dentist Our Financial Advisor calls for help: “My primary company, a well-known mutual life insurer, declined my early 30s client who needs $10M life insurance to fund a buy-sell agreement between him and his business partners. Until recently, he used opioid pills – prescribed without documentation by a buddy […]
Life Insurance Underwriting Strategies for Elevated Liver Functions
Life insurance applicants are sometimes surprised they are required to pay an extra premium due to findings of elevated liver functions in their insurance company labs. They feel terrific and have never even thought about their liver before! None of them are pleased about having to pay higher premiums. Fortunately, not all life insurers underwrite […]
Preparing for a Life Insurance Medical Exam
Preparing for a Life Insurance paraMedical Exam The following tips will skew exam outcomes in your favor, resulting in the lowest possible premium. Minor inconveniences leading up to the exam can lower premiums significantly. Consider scheduling the exam for a Thursday morning – before the consumption of food, coffee, tea, or soda. 2- 3 Days […]
Sleep Apnea
Life Insurance Underwriting Strategies for Applicants Sleep Apnea Sleep apnea refers to the temporary cessation of breathing, or episodes of shallow breathing, interrupting normal sleep cycles. This common condition is diagnosed, and treatment effectiveness monitored, via sleep studies (polysomnography (PSG). Underwriting Concerns Risks associated with untreated sleep apnea include high blood pressure, lung damage, cardiovascular […]
Diabetes
Life Insurance Underwriting Strategies for Applicants with Diabetes The common use of the term “diabetes” typically refers to diabetes mellitus, a group of metabolic disorders that cause increased blood sugar levels. High blood sugar levels cause damage to blood vessels, which in turn can lead to a eye damage, kidney damage, heart disease, and strokes […]
Careers
Careers Overview CPS Advantage is built on the idea that 1 + 1 = 3, 7, or more: by aligning the professional ambitions of our associates and affiliates with our clients’ priorities, we unlock creative energy that increases results for all, exponentially! An association with CPS Advantage comes in many forms, is always remote, and […]
About Us
About Us Overview We support Financial Advisors and their clients with advanced keyperson, executive benefits, and business succession planning, taking advantage of the unique tax-benefits only life insurance can offer. We deploy tax-free wealth conveyance strategies for ultra-high net-worth business owners and executives. Once a client is ready to move ahead with an application, we […]
