Underwriting & Design Skills

UNDERWRITING DONE RIGHT

Our experienced team will make all aspects of the underwriting process easier and quicker, with results your clients will thank you for. From gathering the necessary medical records to discussing medical histories with physicians, we cover every angle prior to submission.

Qualifying client files are reviewed by our in-house underwriter to evaluate rate status and product suitability. Our mastery of both medical and financial underwriting means we will always have a positive influence on the final offer. We are remarkably accurate. We don’t waste time canvassing carriers for unrealistic offers; we focus specifically on the carriers we know can provide both a competitive product and the medical decision you want.

DESIGN THE SALE YOUR WAY

Our design team is the best in the business. We have intimate product knowledge and experience that you won’t find anywhere else.

Our capabilities go far beyond anything you will find from an insurance carrier or typical wholesaler. Whether your sale involves complicated estate planning, retirement income, employee benefits, or any other sales concept, we have a design template that can be customized to your sales style. And our team members are happy to assist with client or advisor calls.

Our in-depth product knowledge is the result of four decades of research and experience with thousands of clients and products. In a regulatory environment that is moving closer to a fiduciary standard, we provide top notch recommendations that are suitable for your clients, based on their overall financial status and risk tolerance, that you can rely on.

Preliminary Application

Our preliminary process provides accurate and suitable direction for those difficult underwriting situations and/or large-/jumbo-cases. Our HIPAA compliant application form is required for all cases so that we are able to seamlessly advocate for the best possible offer for clients. Additionally, we can usually detect potential underwriting issues prior to formal underwriting based on the information provided.

Accu-App™

The application process for full-underwriting is time consuming resulting in incomplete or inaccurate application submissions. To simplify that process, we offer Accu-App™️, allowing you more time to sell and less time on paperwork. We conduct an interview with your client, properly complete the insurance forms for you, and send the completed paperwork to you for your review. Once approved by you, we can circulate the paperwork for signatures using DocuSign when allowable. If you need to pivot to another carrier, we can simply repeat the process. Truly revolutionary!

Pro-Quote™

Field underwriting is an important screening tool to accurately access a client’s insurability. However, not every broker has a complete understanding of medical issues or may be uncomfortable discussing details of those issues.

CPI offers Pro-Quote™. One of our underwriters will speak with your client to obtain the pertinent medical data to summarize the issues and present you with a tentative assessment of the risk and a list of probable carrier responses. Pro-Quote™ saves time and is the best trial app system in the industry!

Jumbo Underwriting

The process of underwriting jumbo risks is both an art and a science. In‐depth knowledge of carrier retention, reinsurance pools, facultative and automatic reinsurance limits, as well as a host of other issues are required to properly navigate ultra‐high face amount cases.

Our team has extensive knowledge and experience with properly underwriting large risks. We have direct access to all carrier underwriters so we are better equipped to advocate on behalf of your clients. Combined with Accu-App™ this makes us the most valuable large case unit in the business!

Custom Presentations

We know that every potential customer has their own way of digesting policy information. Some are highly analytical and feel more comfortable with reams of data, some learn better from graphics like charts and pictures. Some need both. We understand.

Our design team encourages you to customize your presentations to fit your clients’ style. From one sheet summaries to the most complex planning, our design team does it all.

Our custom designs make selling easy while at the same time providing a key suitability tool. Our team will tailor recommendations to your client’s specific needs. Plus, we can brand presentations with your logo and contact information.

Advanced Market Support

Our design team is your personal advanced market support team. We are up to speed on all aspects of product design, estate and succession planning, trusts, financing, settlements and much, much more.

We are your competitive edge. We have deep resources within the legal and accounting professions as well as connections to the top people at every carrier we represent.

More importantly, we have many decades of experience in the high net worth life insurance market, dealing directly with clients. This valuable experience, blending superior product knowledge with proven buyer oriented sales psychology makes us your most important resource for selling success.

Policy Reviews

Educated clients are our best customers. Good policy education starts with an audit of the clients’ current coverage compared to other suitable options, creating a vital tool for all producers seeking quality product analysis for current and prospective clients.

Our reviews provide an honest, accurate analysis of the client’s current situation and any potential options to improve their portfolio