You should find the CPS UW Guide to be very helpful in determining the appropriate rate class for clients when considering life insurance. In addition, we have included specific company underwriting guides that we think should be included for the additional information they provide for the larger face amounts, financial underwriting, and/or premium financing scenarios.
UW Guides
The following link includes Special Underwriting Programs that specific carriers offer or are especially liberal certain conditions (e.g. Accelerated Underwriting, avocations, nonsmoker rates for nicotine use, table shaving, etc.). These are general guidelines that are certainly not complete. Beyond the attachments—call us. Our underwriting expertise coordinated through CPS underwriters coverts many rated classes into STANDARD offers
Such As:
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.