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.

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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...

Mutual of Omaha Wins IUL Award

By Feed | Insurance Designers of America

Did You Hear the News? The Life Product Review has awarded the WYSIWYG (What You See Is What You Get) Award to both of Mutual of Omaha’s IUL products. Learn what the award is about, and why Mutual of Omaha is honored to receive it. Learn more. The post Mutual of Omaha Wins IUL Award appeared first on Insurance Designers of America.

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Securian Updates Life Cap and Participation Rates

By Feed | Insurance Designers of America

Due to the continued low interest rate environment and prevailing market conditions throughout 2018 Securian is  making the following cap and participation rate changes to our indexed and variable universal life portfolio. Many considerations go into determining the cap and participation rate – and we want to make sure you understand how they are determined […] The post Securian Updates Life Cap and Participation Rates appeared first on Insurance Designers of America.

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7 New Reasons to Sell AIG Value+ Protector

By Feed | Insurance Designers of America

Value+ Protector is all shiny and new again! No less than 7 exciting new reasons to sell this great bridge product. Download bulletin. The post 7 New Reasons to Sell AIG Value+ Protector appeared first on Insurance Designers of America.

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One America Asset-Care Product Changes

By Feed | Insurance Designers of America

To help maintain OneAmerica’s commitment to providing comprehensive, lifetime financial solutions for our clients, they are changing the availability of their joint life Asset-Care® acceleration options. Beginning Jan. 1, 2019, the option of joint life with 4% acceleration will no longer be available on any Asset-Care product. This change allows them to maintain a healthy, robust product […] The post One America Asset-Care Product Changes appeared first on Insurance Designers of America.

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John Hancock 2019 Dividend Interest Crediting Rate Announcement

By Feed | Insurance Designers of America

Effective January 1, 2019, there will be no dividend rate change for participating life products originally issued by John Hancock. This flyer provides further details. The post John Hancock 2019 Dividend Interest Crediting Rate Announcement appeared first on Insurance Designers of America.

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First Quarter 2019 Broker Med Supp Bonus Program

By Feed | Insurance Designers of America

Earn extra cash on your Mutual of Omaha Medicare supplement and SELECT business. Learn more. The post First Quarter 2019 Broker Med Supp Bonus Program appeared first on Insurance Designers of America.

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Prudential Revises Age and Amount Requirements

By Feed | Insurance Designers of America

Revised Age and Amount Requirements, effective December 17, 2018. Read more. The post Prudential Revises Age and Amount Requirements appeared first on Insurance Designers of America.

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PL Smooth Sailing Increases Coverage Amount to $1 Million

By Feed | Insurance Designers of America

Pacific Life (PL) launched PL Smooth Sailing, as a predictable solution to fluidless underwriting, on March 19, 2018. Starting on December 10, 2018, applicants can apply for up to $1 million in PL Promise Term or PL Promise GUL life insurance coverage with death benefit protection and still qualify for PL Smooth Sailing fluidless underwriting […] The post PL Smooth Sailing Increases Coverage Amount to $1 Million appeared first on Insurance Designers of America.

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Columbus Life Interest Rate Change for 2019

By Feed | Insurance Designers of America

Effective January 1, 2019, Columbus Life’s universal life (UL) credited interest rates will decrease. A reduction of 20 bps will apply to all fixed rate business permissible by the policies declared guaranteed minimum rates. Learn more. The post Columbus Life Interest Rate Change for 2019 appeared first on Insurance Designers of America.

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Prudential Declares 2019 Dividend Scales

By Feed | Insurance Designers of America

The Board of Directors of Prudential Insurance has approved payment of approximately $1.7 billion in dividends in 2019 for participating individual life insurance policies and annuity contracts in Prudential’s Closed Block. The 2019 payment represents a continuation of the 2018 dividend scales for 2019. Learn more. The post Prudential Declares 2019 Dividend Scales 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 treat their policyholders very well. But there a...

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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 information.

Insurance carriers protect your data so wel...

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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...

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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.