Why CPS Special Risk Services
When the case gets hard, we get to work.
For more than 50 years, advisors have brought us the cases others find hard to place. Health history, complex wealth, or a decline letter: we present your client’s full story and find the carrier that fits.
Our story in 80 seconds
Built for the case that gets hard.
See how CPS Special Risk Services supports advisors when underwriting doesn’t go to plan.
Read the transcript
Every advisor has one. The client who did everything right, until the medical exam. A health history. A rating. A decline letter. And suddenly, a relationship you’ve spent years building is on the line.
This is where CPS Special Risk Services does its best work. For more than fifty years, we’ve specialized in the cases others find hard to place. Underwriting expertise that presents your client’s full story. Case design built for complex health and complex wealth. And one point of contact who always picks up the phone.
Behind every case, access to more than sixty top-rated carriers, and the market knowledge to know which one fits. Life. Annuities. Long-term care. Disability. Hybrid solutions. Medicare. Life settlements. One partner for every planning conversation.
Fifty years. Sixty-plus carriers. One standard: your client’s best outcome. CPS Special Risk Services. When the case gets hard, we get to work. Visit srsinc.com, or call 303-309-3471.
How we work
A values-based IMO and BGA, built around the advisor.
Our success is determined by your success, and by your clients’. That shapes how we handle every case.
We tell your client’s full story.
Dedicated underwriting support and long-standing carrier relationships, so a health history is presented in context, not just as a file.
Case design for complex situations.
Impaired-risk life, business and employer-owned coverage, hybrid life/LTC, and income planning, matched to the carrier most likely to say yes.
One point of contact, start to finish.
From your first quote to policy delivery, you work with people who know your case and pick up the phone.
Complete back-office support, nationwide
A virtual extension of your office.
Hand off the work that slows you down, and spend your time with clients.
Impaired-risk underwriting
Field underwriting guidance and informal inquiries before you apply.
Quotes and illustrations
Side-by-side quotes across carriers, with the right product for the situation.
Real-time case status
See where every application stands through the My Business Portal.
Contracting and compliance
Contracting, AML, and E&O guidance handled with you during onboarding.
Point-of-sale support
Help preparing for client meetings, with presentation pieces and client handouts.
Marketing and training
Producer training tools, marketing resources, and joint sales calls on long-term care cases.
Our carrier partners
60+ top-rated carriers. The market knowledge to know which one fits.
What advisors say
Five stars from the advisors we work with.
“They are very good, know their products, have an excellent choice, and also know the subtle aspects of the business that makes underwriting easier. Highly recommended!”
“Tim, Rob, Kim, Betsy and the entire team are ROCKSTARS.”
“Great team to work with—extremely helpful and effective. Prompt, knowledgable, and efficient.”
Products and services
One partner for every planning conversation.
Getting started
From your first contract to your first commission.
Talk with us
A short call about your practice, your clients, and the cases you’re working on.
Get contracted
We walk you through contracting and appointments with the carriers you need.
Quote and submit
Underwriting guidance, quotes, and application support on your first case.
Place and get paid
Case tracking through delivery, and commissions paid.
New to SRS? Our onboarding page walks you through contracting, underwriting, quoting, submitting an application, and getting paid, all in one short video.
Go to New Agent OnboardingQuestions advisors ask
Before you partner with us.
What kinds of cases does SRS specialize in?
Impaired-risk life insurance is our specialty: clients with a health history that makes underwriting harder. We also support annuities, long-term care, disability income, hybrid life/LTC, Medicare, final expense, and life settlements.
Who will I work with?
You’ll have one point of contact who knows your cases, backed by our underwriting and case-management team.
Can you help before I submit an application?
Yes. Talk with us before you apply, and we’ll help you find the carrier and product most likely to fit your client’s situation.
How do I get contracted?
Start on our New Agent Onboarding page. It walks you through contracting, underwriting, quoting, submitting, and getting paid. Or contact us and we’ll guide you.
Where can I track my cases?
Contracted agents can check application status any time in the My Business Portal.
How is SRS related to CPS?
SRS Inc. does business as CPS Special Risk Services and is part of the CPS Insurance Services marketing group. You work directly with the SRS team in Littleton, Colorado.
Join CPS Special Risk Services
Bring us your hardest case. See what a real partner does with it.
Tell us about a case you’re working on, and a member of our team will get back to you. Ready to get contracted? Start with onboarding.
Prefer to talk? Call 303.309.3471
What case are you working on?
Asking about one case is the fastest way to see how we work.