service options
Flexibility
We work with several thousand Financial Advisors, coast to coast. Some of them are just getting started. Others have been in the business for 50+ years. Most now prioritize accumulating Assets Under Management, leaving the placement of insurance policies to others.
Whatever of your experience level, focus, or internal staffing resources, we have a service model we can adapt to make your placement of life insurance policies effortless.
Review the options and then just select a model that feels right. We can change it at any time, or even apply different options based on your needs for a given case. Take the lead and tell us what works best for you and your team.
Service Option A: “We Do it All” Concierge Application Services
Most Advisors select Option A for their clients' routine insurance needs; they feel it's the easiest way to take good care of their clients and optimizes internal operational efficiencies. Almost all AUM focused Advisors select this option because it enables them to offer insurance with the least effort.
The Advisor and their client identify the need. Our team of case design specialists and underwriters develops our industry's top solution(s) and provides proposals to the Advisor for presentation to the client.
Once a decision has been made on where to apply for insurance, our Concierge Application Services Team takes over. We handle all administrative aspects, including taking the insurance application, scheduling exams, negotiating medical & financial underwriting, and policy placement. From submission to commission, life insurance placements the super easy way!
Service Option B: Experts Develop Customized Advanced Planning Solutions
For advanced markets strategies beyond your comfort level, complement Option A by introducing appropriate opportunities to one of our licensed Experts. An increasing percentage of our AUM focused Advisors leave most advanced insurance planning to them.
Our Experts are well-known Financial Advisors in their respective fields. They'll solve your clients' most sophisticated business succession, executive benefits, estate tax funding, premium finance, and increasingly complex long-term care funding needs.
Services are provided on a joint work basis, negotiated by you with the Expert. You can simply hand off the opportunity to the Expert and us, enjoying peace of mind, knowing your clients are looked after by the best in the business.
Service Option C: Traditional Brokerage Services
Option C is ideal for high volume insurance-focused Advisors who have their own case development, application completion, and policy placement teams.
We survey the market and provide you with our industry’s top solution(s), based on what your client is trying to accomplish, product pricing, underwriting considerations, and insurer financial strength.
You present the concept, illustrations & and decide with your client on the most effective strategy to achieve the desired outcome.
Your team takes the application, schedules the paramedical exam, preps your client for the PHI, updates your client, and delivers the policy. We'll take care of underwriting negotiations with the carriers.
Which Service Option is Right for You?
You have your preferred way of doing business and it may not be immediately obvious which Service Option makes the most sense for you. Schedule a quick call, or Zoom, with your CPS Advantage Marketing Representative, or send us an email for a callback. Let’s put our heads together and adapt our services to work well for you, so you can focus your energy on growing your business.
