The key to converting on your sales opportunities is in the pre-sale planning.
By obtaining accurate and current client information, your partners at Creative Financial Services will be able to provide you with the most efficient solutions to meet their individual objectives.
Fact Finders are invaluable in helping clients clearly convey their objectives to the advisor. Creative Financial Services can provide you with the appropriate Fact Finder depending on your client. The advisor will better understand what needs must be addressed and the best avenue for exploring solutions for clients. Advisor should understand the client’s…
- Financial position (income, assets, liabilities, investments, insurance, etc.)
- Goals (college education for kids? Retirement date and income goals? Etc)
- Available funds for investing and insurance
- Business: owners, buy-sell needs and funding, key employees, company retirement plans, etc.
Impaired Risk Underwriting
You are likely to encounter clients who have medical conditions, avocation activities and other risk factors that can affect their ability to be underwritten favorably for life insurance. This section provides you with the tools to accurately qualify your client for coverage.
Underwriting Questions
Creative Financial Services is available to discuss your challenging cases. Please do not hesitate to call or email if you have a client to pre-qualify or if you are not sure which forms below would be best for your sales process.
Quick Quote Questionnaires
All questions must be completed. The Quick Quote Questionnaire asks all the pertinent questions as to the condition or ailment of the applicant, permitting our participating companies the opportunity of evaluating the information and making a tentative offer for Life Insurance for the client. No signatures, no application, no time-consuming investigations or expensive Attending Physicians’ Statements.
Tobacco Use Guidelines
Each carrier has their own individual guidelines for qualifying clients who currently use or have previously used tobacco products. This guide provides an overview of the best rates available based on their personal history.
Request A Life Insurance Quote
Complete our online form in just a few minutes and we will generate a life insurance proposal.
Or, download our paper form.
Product Information
This section provides a detailed breakdown of the individual product solutions including underwriting requirements, product details, build charts and available riders.
Click “View Carrier Product Guides” button on the page.
Order Your Exam
Get the process started by ordering the required exam for your client in advance of submitting the application to CPS.
Online Quoting
Quote all of your favorite insurance products with a click of the mouse using Vital Suite and WinFlex Web online quoting solutions. In seconds receive a response from top carriers.
Strategic Carrier Providers
Testimonials
Here’s what just some of our clients have said
I have been meaning to relay my gratitude to you for all the help and guidance that you have been providing along with the continued good handling of issues as they arise around the several 401k client plans we have been working on together. Your insight, mastery, and professionalism have made things a delight. Thank you for all the help! My processes and approach have been enriched because of your guidance and subject matter expertise. And for that, I am enriched professionally and personally. May I someday be able to pay it forward.
John Walsh — Columbus, Ohio
The Annuity Team at CPS is best in class! The knowledge and know-how they possess is far superior than any other firm I have worked with. I very much appreciate the support they provide me.
Kayoko Nihei
We partnered with CPS in 2014 and not only has it been pleasant but also an extremely educational experience. They are key to our agency and have the tools necessary to meet the needs of our clients. Their team is exceedingly knowledgeable and will give you step by step guidance on completing applications, quoting, and electing the right carrier for your clients. They have been a game changer for our agency and we look forward to continuing our business relationship with them for years to come.
Adam Beach, President of Beach Financial Group
CPS is superb to work with. We appreciate their prompt responses, attention to detail, and expertise from running illustrations to finalizing a policy. Customer services at its finest! We have found CPS to be a “5 Star” rating and highly recommend working with CPS.