The CLPR is based on
a full review of your client's medical records
- Report is based on a comprehensive review of your client's
medical records
- Works well for any client; often the best option for those
with complex medical histories and serious conditions.
- Highly reliable
- Comprehensive report provides full longevity curve, survival
probability estimates and notes on extending life expectancy.
- Price: $295 ORDER
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Let Us Do It For You!
Ordinarily, you would supply 21st Services with copies of your client’s medical
records. However, 21st Services will handle all communication with physicians and obtain the medical records
for a small fee plus the copy cost charged by the physicians office.
Your client will get the same comprehensive report no matter which version of the
CLPR they choose. Click here to view a sample
or download a
pdf sample.
Every Customized Longevity Planning Report - or CLPR - is based on the information
we gather about a client’s specific medical, family and personal history. With the
Standard CLPR, the analysis is based on your client’s medical records.
The records are reviewed by our underwriting staff and key factors are analyzed
by our sophisticated proprietary software system, built on our extensive mortality
database. (For details on our systems and the science of what we do,
please click here.)
The CLPR report includes your client’s longevity curve, compared to a “standard”
mortality curve, and the ages at which your client’s survival probability is 50%,
30% and 10%.
With the CLPR results in hand, you can build your client’s financial plan on far
more meaningful projections than you could derive from the social security or life
insurance mortality tables.
Click here to see
what planning experts, including Stephan R. Leimberg, Esq., say about the value
of life expectancy reports in planning.
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CLPR process
Here’s the basic CLPR process if the planner is managing it. You can also
provide the client with our web address and let them handle the order on their own.
It’s easy. Click here for the client process.
Intro- duce the concept
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Tell your client that one of the key pieces of information you need to ensure that
your recommendations are customized and suitable for their specific situation is
a reliable estimate of their life expectancy. Without a customized life expectancy
evaluation, you will have to base the plan on a "hunch," a generic mortality table
(social security, life insurance or pension table) or an ultra-conservative life
expectancy estimate – 95, 100 or 105. That last option puts undue stress on the
portfolio to perform for an extremely long time, and it could lead to recommendations
for investments, products and services that really aren't in the client's best interest.
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Place order and pay
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Log in or register at www.21stservices.com/register
Go to the Products page (click on ‘Products’ in the navigational list at upper left)
and select "Order Standard CLPR."
On the order page, enter credit card information to pay the $295 charge. Complete
the online order.
On the order page is a link to enable you to download and print the Authorization
form (Form C-1004-308 Rev 1208). Print one copy for the client’s signature and backup
copies for your files and the client's.
If 21st is collection medical records for you, download and print the Medical Records Information Form
(Form C-1006- 308) and ask the
client to complete them.
Mail the signed Authorization form and completed Medical Records Information Form
to 21st Services, Attn. CLPR Underwriting, 200 South
Sixth Street, Ste. 350, Minneapolis, MN 55402
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Get medical informa- tion; create CLPR
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21st Services will contact your client’s physician(s) and request copies of the
client’s medical records for the past five years if you desire, or you can upload
your client's medical records through our secure website.
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Receive the CLPR; deliver to client
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You will receive an email with a link to your Account page to access the client's
CLPR report.
On your Account page, you can download the client’s CLPR, with its introductory
letter to you and a separate introductory letter to your client. Click here for
a sample copy of the letters and a sample CLPR. You can email the client letter
and CLPR to your client, or print them out and deliver in person or by mail. Click here for more.
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