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...

Looking For a Reliable IUL?

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Protective knows that their clients need to understand the importance of an Indexed product that is reliable, flexible and from a company they can trust.  Check out their video highlighting Protective’s Indexed Choice UL, its features and why it can be a great solution for their clients!
The post Looking For a Reliable IUL? appeared first on Insurance Designers of America.
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Flex Whole Life with a Term Combo is the Budget-focused Solution for young families. Many new families have student loans, car payments, mortgages and the cost of raising children. Flex Whole Life is designed to support families’ lifestyles, provide financial security and safeguard dreams for the future. Click here for more details from SBLI.
The post Introducing the Affordable Solution for the All-Important Family Market appeared first on Insurance Designers of America.
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Risk Reset!

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Even as we slowly emerge from the COVID crisis and the economy continues to “normalize,” a perfect storm of low interest rates, rising inflation and ongoing market uncertainty has descended to put significant pressures on Americans attempting to allocate the fixed-income portion of their retirement strategy.  Global Atlantic is asking if their clients are “risk […]
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Whether a client’s policy is designed for income distribution or policy duration, achieving level performance over the long term can be challenging.  Our industry-first Symetra Allocation Index (AI) Strategies, available with Symetra IUL products can help.  See how here  Symetra AI.
The post New Allocation Index Strategies can help clients achieve their policy goals appeared first on Insurance Designers of America.
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Connect with Global Atlantic on LinkedIn!

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Have you joined the trend!? Global Atlantic’s network of LinkedIn followers has been growing exponentially. It’s fast, easy – and a great way to stay connected to company developments, and more.
The post Connect with Global Atlantic on LinkedIn! appeared first on Insurance Designers of America.
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Nationwide Is Your Trusted Life Insurance Partner!

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Throughout many industry changes, we remain committed to protecting our members when it matters most. We have the capital and liquidity needed to keep our promises to members, now and in the future. Find out how we value our partners. Click here!
The post Nationwide Is Your Trusted Life Insurance Partner! appeared first on Insurance Designers of America.
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Improved Online Payment Tool

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John Hancock has made some exciting improvements to their electronic payment option – John Hancock ePay – making it easier than ever for their customers to pay their life insurance premiums online! For their customers who submit checks, John Hancock is encouraging them to use this convenient service. Learn More.
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Global Allocation to Help Diversify Your Portfolio

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Lincoln Financial seeks to help investors understand the importance of diversification and how global allocation with BlackRock Dynamic Allocation Index can help. Learn more.
The post Global Allocation to Help Diversify Your Portfolio appeared first on Insurance Designers of America.
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Buy-Sell Planning

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Business owners are often focused on the day-to-day operation of their business, and future planning may not be top of mind. Since they’ll transition out of the business someday – either on their terms or from an unplanned event – Principal seeks to help ensure a smooth transition by working with financial professionals to help […]
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Nationwide Monthly Economic Dashboard

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Economic growth decelerates in the face of Delta and supply headwinds. After a strong first half of 2021, the winds have shifted a bit for the economy as the Delta variant and supply constraints have slowed activity. Learn more here!
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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


To Learn More:

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 website:

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


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.

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.