Providing a secure future for families across America since 1974
Call us today: (949) 863-0700

Disability Income Insurance Programs

CPS and Disability Specialists Inc. (DSI) have facilitated the development of Disability Income programs. Discounted rates and on a modified guaranteed issue basis.

Accelerate Your Business

Your clients may qualify for up to $1M of coverage without a paramed exam. New streamlined underwriting program from Principal offered to you by CPS.

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Breaking news, market trends, product updates and sales concepts - delivered to your inbox daily.

Apps & Forms Engine

Access new business and policy holder services forms organized by carrier, state of issuance and product type.

Access Apps & Forms Engine ➲

Case Status Live

24/7 secure and confidential online access to your case data. View pending case data, licensing, contracting and commission data and display the full book of submitted and placed business.

View Case Status ➲


Everything you need to know about the contracting process including: basic contracting requirements, how to get contracted, and downloadable contracting kit for new and existing CPS producers.

Get Contracted ➲

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.

Online Quoting Suite ➲

Quick App Programs

Some of our core carriers have developed paperless quick app programs that streamline the application process saving you valuable time.

Access Quick App Programs ➲


The expertise of our staff of underwriters, our established relationships with many of the industry’s top impaired risk carriers, and our substantial production levels assure you the best offer.

Underwriting ➲

Core Lines of Business


We are on top of the industry, supplying not only a comprehensive, diverse portfolio of annuities but also the best in market support services.

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Disability Income

We offer a wide range of disability income products, and we understand the complexities of this specialized segment.

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We have a passion for sound long-term financial planning. We continuously research and evaluate the best products the industry provides. We help you offer your clients options to suit their needs.

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Long Term Care

We constantly analyze trends in the industry to provide you and your clients with the most innovative and complete services available.

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About Us

Our Mission

Our mission is to love as many people as possible every day, while providing opportunities, protection and peace of mind to our families, colleagues and communities.

The Advantage Of CPS

Industry leading experience, a proven turn-key system, shared best practices and comprehensive practice-building resources.
Core Values

Recognized as a leader in our industry, we believe in giving back to our communities. Above all, we value our reputation for integrity, developing solid partnerships and commitment to excellent service.

The Pillars of Our Success
Since 1974, we have continued to grow organically as an organization, while successfully retaining our core values.

We all share a common cause to partner with one another to present the best possible solutions for our clients. We openly share ideas and collectively seek out creative and innovative ways to better serve our clients. We foster collaboration while upholding individual accountability. We recognize one another’s accomplishments and make an effort to create an efficient, friendly and fun work environment.

Creativity is the driving force that continues to move CPS forward. To remain competitive, we must continue to use innovative thinking and take risks. We thrive in this environment by constantly bringing fresh perspectives, reinventing business processes and creating innovative strategies and meaningful solutions.

We never forget that our clients have a choice as to where they can do business. Therefore, we are committed to offering best-in-class service and are dedicated to optimizing tried-and-true standards and processes. We collectively share accountability for gaining our clients’ loyalty and trust. No matter what our role within the company, the goal is to be the best that we can possibly be. Evolution should be constant through our efforts to always search for a better way to do our work.

We develop trust by upholding the highest ethical standards and practices. We emphasize our commitment to act with integrity and honesty in all interactions with our clients, fellow team members and our communities. We treat others as we wish to be treated – no excuses.

We never forget that we have the ability to make a significant difference in the lives of others. We ensure that our passion and pride is demonstrated in everything that we do and every product and service that we represent.


  • The CPS team goes above and beyond to provide our advisors with responsive service, resulting in the timely placement of business.

    Steve Soto, Anfield Advisors, LLC
  • CPS provides me with the solutions that fit the unique needs of my clients. The support I receive makes it possible for me to be a successful independent producer.

    Hiroyuki Kunito, Nori Marumoto Insurance Agency
  • I’ve been doing business with CPS for over 35 years; you are truly the finest wholesaling company I’ve ever worked with. The superior support, professionalism and responsiveness to my business is unparalleled in the industry.

    Chuck Hahn
  • CPS always processes my cases quickly, providing me with detailed status reports. Everyone on the team is in tune with my clients’ needs.

    Michael Rader
  • The CPS team is incredibly responsive. They provide great marketing support, innovative sales ideas and strong case management. The support I get from CPS makes it possible for me to be a successful independent producer.

    Annette Fadness
  • No one responds like CPS. They understand what it takes to build my business.

    Jeff Doyle
  • I can always rely on CPS for quick, smart solutions and hands on service.

    James Franchuk
  • I have used the CPS Long Term Care department for many years. Terese Chanel specifically has been a dedicated, responsible, and professional team planner for LTC spreadsheets and proposals as well as Life Insurance with LTC features. Her underwriting experience and familiarity with all of the major companies has been extremely helpful in placing business and serving the needs of our clients. I am 100% satisfied with the service and dedication I receive from Terese and CPS and appreciative of our business relationship.

    Dennis P. Sunderman, President , ElderCare Insurance Services Inc.
  • The experts at CPS are my “go-to” source for anything from simple Term quote illustrations to complex estate planning strategies…CPS is an essential business partner.

    Dean Salminen
  • CPS Insurance Services is an excellent company. We've been using CPS for many years for our personal insurance needs, as well as for our customers' needs. CPS is not only professional and anticipatory, but also keen on detail. Thank you for looking out for us in a manner that is highly unusual in the Insurance Industry. Kudos to CPS.

    Carlos Alvarez, MBA and AJ Hernandez, MBA
  • Over the past year I was able to close and place more business than ever before and that’s because of the relationships CPS has built with me and with their carriers. With over 20 years in business, I couldn’t have done it without you. Thanks.

    Alan Drobka
  • “In working with CPS Insurance for over 12 years, we have developed a solid relationship built on a foundation of communication and expertise. They efficiently process 100% of our business in coupling these two crucial qualities. Our relationship is a “win win’ across the board and we look forward to always improving for strengthened success!”

    Michaelle Thele, Dynastic Partners
  • CPS takes the time to understand what I’m looking for and will not only advise but educate me when I need it. I have to do relatively little work on my own to get a case processed and having an in-house underwriter has been invaluable on some of my more difficult cases. I would not have second thoughts referring CPS to anyone looking for a professional business partner.  

    Philip Beh

Strategic Carrier Providers

  • American General
  • Aviva
  • ING
  • John Hancock
  • Legal & General
  • Lincoln
  • MetLife
  • Minnesota Life
  • Mutual Of Omaha
  • Principal
  • Protective
  • Transamerica