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...

Needs Analysis: How Much Do You Need Worksheet

By Feed | Insurance Designers of America
Legal & General America refreshed their consumer friendly needs analysis worksheet for Life Insurance Awareness Month. Download the PDF.
The post Needs Analysis: How Much Do You Need Worksheet appeared first on Insurance Designers of America.
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Some days, you may think that being a life insurance agent/producer is an unrewarding profession. However, the data reveals just how much it does matter! Watch Now.
The post Columbus Life Creates Video Sharing Why Being a Life Insurance Agent Matters appeared first on Insurance Designers of America.
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North American Shows Clients the “Sequence of Returns”

By Feed | Insurance Designers of America
Life insurance can help mitigate the risks introduced by the Sequence of Returns and protect assets. Download this flyer to see an example of preventing depletion of a retirement account by taking loans from a life insurance policy during years of negative return, instead of withdrawing from a retirement account.
The post North American Shows Clients the “Sequence of Returns” appeared first on Insurance Designers of America.
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Saving College Funds for Children

By Feed | Insurance Designers of America
As college costs are expected to continue climbing, Nationwide seeks to help clients plan for their child’s education expenses. Life insurance can be vital in helping them save college funds for their children. Find out more by clicking here!
The post Saving College Funds for Children appeared first on Insurance Designers of America.
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Nationwide Monthly Economic Dashboard

By Feed | Insurance Designers of America
Momentum is slowing, but the recovery continues. Economic data remained mostly positive through July with further strong job gains, a surge in housing activity, and expansion signals from the business sector. Click here for the full story!
The post Nationwide Monthly Economic Dashboard appeared first on Insurance Designers of America.
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Built to Last During Uncertain Times

By Feed | Insurance Designers of America
OneAmerica is proud to announce that A.M. Best recently affirmed the A+ (Superior) rating for the companies of OneAmerica. Click here to read more about their financial strength and ratings.
The post Built to Last During Uncertain Times appeared first on Insurance Designers of America.
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Think You Know Term?

By Feed | Insurance Designers of America
Today’s term life insurance may be a lot different from what you’re used to. North American produced a consumer flyer explaining how their ADDvantage Term comes with added protection, without added premium.
The post Think You Know Term? appeared first on Insurance Designers of America.
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Athene #1 In FIA Market Q2-2020

By Feed | Insurance Designers of America
Athene once again placed #1 in the Fixed Indexed Annuity market in the IMO channel for Q2-2020 according to LIMRA.  We attribute our #1 ranking to a strong line-up of FIA solutions to solve clients’ accumulation, income, and legacy needs by providing upside potential and no downside risk.
The post Athene #1 In FIA Market Q2-2020 appeared first on Insurance Designers of America.
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Is your carrier rolling the dice on your clients’ retirement?  Your clients’ retirement is too important to leave to chance. In challenging times like these, it’s important to know you are recommending a carrier with strength, stability, and a disciplined investment philosophy.  A recent Wall Street Journal article and our Executive Forum shed more light […]
The post From the desk of Eric Thomes – Allianz Chief Distribution Officer appeared first on Insurance Designers of America.
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Legal & General put together a new infographic, along with other new materials, for Life Insurance Awareness month.  Download the infographic.
The post Legal & General Created a New Infographic for Life Insurance Awareness Month 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


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.