8568741250

Your Life Insurance Back Office When it absolutely has to be done right

513 Centennial Boulevard, Voorhees, NJ, 08043

Our Commitment

The partners and staff of CPI Companies are uniquely committed to the success of products we sell. We are client advocates, always looking for ways to improve, open-minded to ideas, actively listening to your needs, and infused with creativity. We are the best back office in the life insurance business.

require(["mojo/signup-forms/Loader"], function(L) { L.start( {"baseUrl":"mc.us16.list-manage.com","uuid":"cec3dfe52947d858e5c3684ac","lid":"bfeca99b19"} )})

“Advocates for realistic, intelligent, successful financial solutions.”

Our Proven Process

We have honed the skills necessary for success in an ever changing and increasingly competitive marketplace. We know that...

Underwriting Services

The most experienced and proactive underwriting team in the business. Routinely delivering offers above and beyond expectations.

Virtual Back Office

CPI Companies is your complete back office. We can assist you with every step of the process and free up your time to do so much more.

Design Services

Our design department is second to none. We do it all: Industry leading product knowledge, custom presentations, and suitable...

Securian Participation Rate Increase

By Feed | Insurance Designers of America

Securian recently increased the participation rate for Indexed Account G on the Indexed Universal Life products referenced here. The post Securian Participation Rate Increase appeared first on Insurance Designers of America.

Read more

Beginning May 13, 2019, your clients can include chronic illness rider protection with new issues of PL Promise GUL2 guaranteed universal life insurance policies. Full bulletin. The post Pac Life Introduces New Chronic Illness Care Rider with PL Promise GUL appeared first on Insurance Designers of America.

Read more

Introducing Nationwide CareMatters II

By Feed | Insurance Designers of America

Effective May 13th, Nationwide launched a new linked-benefit LTC life insurance product, Nationwide CareMatters® II. CareMatters II is a flexible, competitively-priced linked-benefit universal life policy that offers clients: Flexibility through cash indemnity LTC benefits that help clients obtain care where and from whom they prefer Choice of a variety of payment options, including pay to […] The post Introducing Nationwide CareMatters II appeared first on Insurance Designers of America.

Read more

John Hancock is continually looking for ways to keep the John Vitality Program new and fresh for the 40,000 members. That’s why they’re excited to announce the addition of two major grocery chains to their HealthyFood benefit: Publix and Meijer. The post Publix and Meijer Added to the JH Vitality HealthyFood™ Benefit! appeared first on Insurance Designers of America.

Read more

Enhancements to Protective® Income Builder

By Feed | Insurance Designers of America

A top financial goal for pre-retirees and retirees alike is to ensure they don’t run out of money in retirement. Protective Income Builder Indexed Annuity with the Guaranteed Income Benefit was designed with this goal in mind. To make it an even stronger solution for your clients who are seeking guaranteed income, effective May 6, […] The post Enhancements to Protective® Income Builder appeared first on Insurance Designers of America.

Read more

Prudential UL Product Changes

By Feed | Insurance Designers of America

Effective May 6, 2019, updates have been made to PruLife Founders Plus® and PruLife Essential UL®. And PruLife® UL Plus is retiring. Discover More. The post Prudential UL Product Changes appeared first on Insurance Designers of America.

Read more

As of May 6, Pru’s Accumulation VUL is Even Better

By Feed | Insurance Designers of America

The latest enhancements to Prudential’s accumulation VUL, PruLife® Custom Premier II, optimize its ability to help more affluent clients protect their families and combat retirement derailers like taxes and rising costs. Read more. The post As of May 6, Pru’s Accumulation VUL is Even Better appeared first on Insurance Designers of America.

Read more

John Hancock Lowers Term Rates

By Feed | Insurance Designers of America

John Hancock’s Protection Term has decreased rates by an average of 4% – regaining a competitive position in their core market. Run a quote today and check out our new lower rates! The post John Hancock Lowers Term Rates appeared first on Insurance Designers of America.

Read more

LGA Get More Program Updates

By Feed | Insurance Designers of America

Legal and General America have removed the internal and external replacement exclusion for the Get More program! Why? According to LIMRA and other industry studies, even those who have made the responsible choice to purchase life insurance often purchase too little. Read more. The post LGA Get More Program Updates appeared first on Insurance Designers of America.

Read more

Allianz Term Pro+ Life Insurance Rate Change

By Feed | Insurance Designers of America

Term Pro+SM Life Insurance had rate changes that were effective April 9, 2019. Learn more. The post Allianz Term Pro+ Life Insurance Rate Change appeared first on Insurance Designers of America.

Read more

A settlement has been reached in the years-long law suit over increases in non-guaranteed costs of insurance for universal life policy owners.

On October 4th Transamerica announced a $195 million settlement for increases announced in 2015 and 2016 that affects over 100,000 policy owners.

Ron Sussman, CEO of CPI Companies was an expert witness in the case and an advocate for policy owner rights.

Policy owners will receive payments credited to their cash value and a 5 year moratorium on any future rate increases.

More information to follow.

Happy to share my first article in INN Magazine Article: http://www.insurancenewsnetmagazine.com/article/%E2%80%98unscheduled-policy-loans-can-create-sales-opportunities-3524#.W4Vo_ehKiHs To Learn More: https://mailchi.mp/07aa3321648b/policyloanrescue

Still think that term policy your client doesn’t need anymore is worthless? THINK AGAIN! We recently worked with a 75-year old client who owned a $1.5M term policy. The policy was approaching the end of the guarantee period, the client did not want to pay to convert, and planned to let the policy lapse. We explored a life settlement option and the client was able to sell the policy for $232,000, instead of letting it lapse and walking away with nothing.

Agent's need to educate their client's about these opportunities, as too many are missed. Contact us if you'd like to learn more.

Read CEO, Ron Sussman's latest article published on InsuranceNewsNet.com website: https://insurancenewsnet.com/innarticle/commentary-have-we-created-a-national-shadow-retirement-system

Congresses change from C-CPI to CPI-U for indexing inflation could lead to a reduction in the daily per diem limits for your client's LTC or Chronic Illness Rider. Help your client's plan accordingly for the unexpected reduction and make sure they understand the impact it will have whether they own an indemnity or reimbursement style rider. Click the image below for more info

temp-post-image
Read more

Beginning late January 2018 John Hancock will notify LTC policyholders (including those from the block acquired from Fortis) that their premiums are increasing. The effective date will begin with policies with anniversaries on or after May 1, 2018.

Implementation is state specific and continues increases that, for some policy holders, began in 2012.

Please contact our office for more details.

For policy holders that are healthy, consider switching to newer linked benefit products with premium guarantees such as the Secure Lifetime GUL from American General.

Recently two carriers, North American and Protective Life, Announced decreased cap rates for their newly issued and in-force blocks of IUL products. This repricing of options reduces the index cap rate, and the maximum illustrated rate for index segments that are initiated or renew in 2018.

Indexed Universal Life cap and participation rates are determined by the carrier's options budget and the cost of options as determined by the options provider. These rates can be counterintuitive in a rising equities market where interest rates continue to moderate to the low side or fall.

We may be seeing the tip of the iceberg. Protective and North American are two conservative companies that tend to treat their policyholders very well. But there a...

Read more

If you've ever asked your investment advisor for data on mutual funds or ETF's you know that there is a plethora of information available from a large number of sources. The source of the original purchase is irrelevant because the data is required by SEC and FINRA and is available through a simple internet search.

You can research any fund, manager, or investment company and easily find the performance and cost structure. This makes investing easy and accessible for any purchaser.

Now, try the same thing with your permanent life insurance policy. It is virtually impossible. Not only is there no repository of data, but the issuers go out their way to make sure you do not receive the information.

Insurance carriers protect your data so wel...

Read more
temp-post-image
Read more

Life insurance policies need to change to meet the needs of new generations of purchasers. The idea that the benefits of a policy are only for the purchasers beneficiaries is outdated and in desperate need of a makeover.

American General has the only solution: Secure Lifetime GUL 3 is life insurance for the living.

This product provides three opportunities for clients to benefit while they are alive:

1. Opt Out. After year 25 clients can elect to terminate the policy and receive a full refund of all premiums paid.

2. Use the death benefit to pay for LTC or chronic illness. Indemnity based benefit. No need to provide receipts. Pay for home care by a family member or use for any other purpose.

3. At age 85 receive the net death benefit in 10 e...

Read more

We're Social

Stay Connected with Us

Contact Us

Leave Your Contact Information Below

Securities and Investment Advisory Services offered through The Leaders Group, Inc. Securities Dealer, Member FINRA/SIPC; TLG Advisors, Inc. Registered Investment Advisor; 26 W Dry Creek Circle, Suite 800, Littleton CO 80120, (303) 797-9080. CPI Companies is not affiliated with The Leaders Group, Inc.