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More Than Just Guides: Tools for Your Success

Order your own exam

Go to Superior Mobile Insurance Solutions Website
to order exams and check status

Taking the Initiative: Ordering Client Medical Exams Independently

At Creative Financial Services, we understand that sometimes you need to move quickly to serve your clients effectively. There might be occasions when you want to “get the ball rolling” on a client’s life insurance application by ordering their medical exam proactively, even before submitting the formal application paperwork to us. We provide you with the flexibility to do just that.

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A Convenient Option for Proactive Service

We offer a direct route when you wish to take the lead on ordering your client’s exam. By clicking the link provided at the end of this guide, you can connect to the Superior Mobile Medics website. Their platform allows you to independently complete the process of ordering the required exam(s) for your client at a time that suits you and your client best. This can be particularly helpful when managing tight schedules or aiming to expedite the initial stages of the underwriting process.

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Essential Considerations Before You Proceed

While ordering an exam independently offers flexibility, it also comes with a couple of key responsibilities we need to highlight to ensure a smooth process for everyone involved:

  • Financial Responsibility for Exams: Please be aware that if you order an exam for a client and an application for that client is never subsequently submitted to Creative Financial Services, you, the advisor, will be responsible for the cost of that exam. The exam vendor (e.g., Superior Mobile Medics) will bill you directly in such cases. This is because the vendor incurs costs for scheduling and performing the exam.
  • Adhering to Process for Smooth Underwriting: It’s crucial to follow the specific steps outlined below to ensure that the exam integrates seamlessly with the application once it reaches us and to prevent potential delays or confusion.

Key Steps for Independent Exam Ordering: Ensuring Success

Any time you choose to order an exam before applying to Creative Financial Services (whether you use Superior Mobile Medics or another approved paramedical service), please remember these essential steps:

  1. Direct the Exam Results to Creative Financial Services:
    • Crucial Instruction: Clearly instruct the exam vendor (e.g., Superior Mobile Medics) to send the completed exam results and all related medical information directly to Creative Financial Services.
    • Why this is important: Please do not have the results sent directly to the insurance carrier. Sending them to us allows our team to receive, review properly, and package the exam with the application, ensuring it is presented to the airline entirely and correctly, which can significantly streamline the underwriting process.
  2. Include a Clear Cover Letter with Your Application:
    • Essential Communication: When you submit the client’s application to Creative Financial Services, please include a concise cover letter.
    • What to include: This letter should clearly state:
      • You have already ordered the client’s exam independently.
      • The name of the paramedical vendor you used (e.g., “Exam ordered via Superior Mobile Medics on [Date]”).
    • Why this is important: This notification prevents us from inadvertently ordering a duplicate exam, which would cause unnecessary inconvenience for your client and additional costs. It also helps our case managers quickly locate and match the exam results with the incoming application.

We’re Here to Support You

Navigating the underwriting process should feel manageable, even when taking proactive steps like ordering exams. If you encounter any issues, have questions about this independent ordering process, or are unsure about any aspect, please do not hesitate to contact your dedicated

Creative Financial Services Case Manager. They are your primary resource for guidance and can help ensure everything proceeds smoothly.

Ready to Order an Exam or Check Status?

To proceed with ordering an exam through Superior Mobile Medics or to check the status of an exam you’ve already ordered with them:

Go To the Superior Mobile Insurance Solutions Website To Order Exams and Check the Status

By following these guidelines, you can effectively manage this part of the application process while ensuring Creative Financial Services can efficiently support you and your client.

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Testimonials

"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
John WalshColumbus, 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
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
Adam BeachPresident 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."
Kim Buhrow
Kim Buhrow