Proud Partner of Insurance Designers of America


Your Life Insurance Back Office

When It Absolutely Has To Be Done Right

Our Commitment

The partners and staff of CPI Companies are uniquely committed to the success of the 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...

Life Changes – Can Your Life Insurance Policy Adapt?

By Feed | Insurance Designers of America
Mutual of Omaha shows how their clients’ lives will change as they approach retirement. Their Change of Situation brochure shows how an IUL policy can help adapt to changing products, situations and market environments.
The post Life Changes – Can Your Life Insurance Policy Adapt? appeared first on Insurance Designers of America.
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Nationwide’s Economic Commentary

By Feed | Insurance Designers of America
Optimism about the recovering economy continues to grow, thanks to gains in the labor market and more.  Read October’s Cycle Watch!
The post Nationwide’s Economic Commentary appeared first on Insurance Designers of America.
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The eldercare landscape has shifted over the years to the point where family members are shouldering more caregiving responsibilities. The strain on individual caregiving within families has increased substantially, and adult children now play an increasingly important role in supporting the needs of their aging parents.  Learn more from Prudential.
The post Caring for an Aging Parent: Understanding the Financial Wellness Challenges appeared first on Insurance Designers of America.
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Symetra And Sumitomo Life: Putting Our Customers First

By Feed | Insurance Designers of America
For more than 60 years, Symetra has operated on a foundation of financial stability, integrity and transparency. Our goal and commitment are to create retirement, benefits and life insurance solutions that customers need and clearly understand.   Since 2016, Symetra has been an integral part of Sumitomo Life’s $355 billion family of companies. Together, Sumitomo Life […]
The post Symetra And Sumitomo Life: Putting Our Customers First appeared first on Insurance Designers of America.
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Legal & General America Shares Their Story

By Feed | Insurance Designers of America
Legal & General America’s market-leading competitive term position, innovative digital solutions and solid operating performance is backed by a top ten global insurer and financial powerhouse, Legal & General Group. Watch their story in this new video: 90-second clip.
The post Legal & General America Shares Their Story appeared first on Insurance Designers of America.
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Discover the Value of Life Insurance with Living Benefits

By Feed | Insurance Designers of America
With a bit of planning and the right type of protection in place, some of life’s toughest challenges become a bit easier to face. Columbus Life produced this video to help clients understand the value of life insurance with living benefits. Watch Now
The post Discover the Value of Life Insurance with Living Benefits appeared first on Insurance Designers of America.
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How National Life is Navigating the Current Economy

By Feed | Insurance Designers of America
Watch this video for a look at the current environment from an investment perspective. Watch the video.
The post How National Life is Navigating the Current Economy appeared first on Insurance Designers of America.
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Nationwide 4th Quarter Market Insights

By Feed | Insurance Designers of America
Asset prices moved higher again in the 3rd quarter, as what could prove to be another lengthy economic expansion continued to gain traction. Click here for the full report!
The post Nationwide 4th Quarter Market Insights appeared first on Insurance Designers of America.
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Asset Location Is as Important as Asset Allocation

By Feed | Insurance Designers of America
Andrew Bucklee, Senior Vice President and Head of Life & Executive Benefits Distribution for Lincoln, shared perspective with ThinkAdvisor on how life insurance can help investors with both volatility and taxes. Download the article.
The post Asset Location Is as Important as Asset Allocation appeared first on Insurance Designers of America.
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The post-COVID recession recovery continued at a strong pace in August with further sharp improvement for the labor market and solid expansion from the business sector. Click here for full story from Nationwide!
The post A Surge in Growth for The Third Quarter, But Slower Growth Ahead! 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.