As more Life Insurance carriers enter into the Linked Benefit marketplace, it’s important to understand that there are key differences in how their policy riders will provide living benefits to the insured.
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Once considered high-risk, budding modifications to underwriting guidelines are now opening up opportunities for insuring the 30-million Americans currently living with diabetes – making special considerations for individuals who are making efforts to keep their condition under control.
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Call your CPS Life Underwriting team to discuss the specific details of your client’s seizure or epilepsy history. Let’s work together to get the offer you need!
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While the conversation is not exactly an easy one to have, a discussion of Long Term Care planning with loved ones is something that should not be put off.
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The Business Owner Upgrade feature for Individual Disability Insurance from some of our core carriers provides an opportunity for business owner clients to increase their occupation class by up to two levels.
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Right now the last thing most clients want to re-address is the return they just did address to the IRS. But herein lies the planning and sales opportunities.
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Cash Value Life Insurance offers tremendous value and flexibility that can address multiple needs that change over time.
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Find low basis assets in your clients’ holdings – apply any one of the many charitable strategies that are available and you can magnify the value of your advice infinitely.
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Accidents, chronic illness, or simply the effects of aging could all result in a need for long term care in the future. That’s why it’s important for everyone to take steps to preserve their quality of life and financial assets as they age.
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If you sell a 40 year old a disability policy today – you can expect to receive renewal commission on that one piece of business for the next 20 to 25 years.
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