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.

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“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...

AIG Life’s Interim CEO: Simplifying Customer Experience from

By Feed | Insurance Designers of America

Adam Winslow, Interim CEO, Life Insurance, talks about the progress that AIG and the industry have made in simplifying the process for consumers to secure life insurance coverage in a video he recorded for LIMRA. The post AIG Life’s Interim CEO: Simplifying Customer Experience from appeared first on Insurance Designers of America.

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Columbus Life is committed to offering straightforward products. While the needs of your clients can be complex and complicated, the solution doesn’t have to be. Read More The post Commitment Matters at Columbus Life: Today’s Financial Landscape appeared first on Insurance Designers of America.

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Lincoln Expands eApp to IUL

By Feed | Insurance Designers of America

Beginning November 11, 2019, Lincoln is pleased to expand the fully electronic traditional online application (eApp) submission process to include indexed universal life insurance (IUL) products, in addition to UL, SUL and Lincoln LifeElements Level Term Products.  Learn more here! The post Lincoln Expands eApp to IUL appeared first on Insurance Designers of America.

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How we can Protect the 1-in-8 Women Diagnosed with Breast Cancer

By Feed | Insurance Designers of America

Due to advances in treatment and earlier detection, mortality rates for clients with breast cancer have decreased. Learn about possible Underwriting ratings and how AXA Equitable can help. The post How we can Protect the 1-in-8 Women Diagnosed with Breast Cancer appeared first on Insurance Designers of America.

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AXA Reminds Us: November is Long-Term Care Awareness Month!

By Feed | Insurance Designers of America

Did you know that 55% of Americans say most people need long-term care insurance but only 15% say they own it? We have the tools to help you feel confident prepared for your long-term care client discussions. Learn more here and join us at our webinar to help your clients have that difficult conversation with their loved ones. The post AXA Reminds Us: November is Long-Term Care Awareness Month! appeared first on Insurance Designers of America.

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The LTC planning landscape is changing but there’s one thing that’s stayed the same: a traditional LTCi policy remains a viable way for your clients to protect themselves from the risk of needing LTC services. Read the Changing Landscape of LTC Planning article to learn more. The post Mutual of Omaha Discusses “The Changing Landscape of Long-Term Care Planning” appeared first on Insurance Designers of America.

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A New Product Innovation – John Hancock’s ASPIRE

By Feed | Insurance Designers of America

Historically an under-served market, those living with diabetes often think they cannot qualify for insurance, and if they do, they are often paying too much for their coverage.  Through their experience with Vitality, Hancock has learned that each customer is unique and that they can achieve a better outcome if they provide education and support […] The post A New Product Innovation – John Hancock’s ASPIRE appeared first on Insurance Designers of America.

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Discover AIG’s NEW Power 5 Protector

By Feed | Insurance Designers of America

This index annuity offers the opportunity for growth without loss of income due to market downturns.  Here’s an overview.  Download this hypothetical illustration to learn more about how this new product may be a powerful solution for clients’ accumulation needs. The post Discover AIG’s NEW Power 5 Protector appeared first on Insurance Designers of America.

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Legal & General Offers NEW Agent Marketing Kit

By Feed | Insurance Designers of America

We’ve put together an easy-to-use kit that you can share with agents. Find sales ideas, consumer materials, videos and more all in one place! Term Agent Kit The post Legal & General Offers NEW Agent Marketing Kit appeared first on Insurance Designers of America.

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Prudential Term Reprice Postponed to November

By Feed | Insurance Designers of America

Due to a delay in ICC approvals, Term Essential and Term Elite will no longer reprice on October 28, 2019. The new reprice date is November 11, 2019. To view the updated Transition Rules please click below. Learn More The post Prudential Term Reprice Postponed to November appeared first on Insurance Designers of America.

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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

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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 t...

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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 informati...

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Stay tuned as we continue to add new features and tools. www.cpicompanies.com

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. ...

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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.