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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 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 releases a client-approved Indexed Interest Allocation Options flyer to help clients determine which strategy may work best for them. The post Mutual of Omaha Helps Clients Understand Their IUL Express Allocation Options appeared first on Insurance Designers of America.

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Legal & General Shows Clients How To Protect Their Loved Ones

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Life insurance is essential when it comes to protecting your clients and their loved ones. Many people don’t get enough coverage because they think it’s too expensive. This flyer shows them how affordable $1 million of coverage for 20 years can be. The post Legal & General Shows Clients How To Protect Their Loved Ones appeared first on Insurance Designers of America.

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Prudential Compares Chronic Illness Solutions

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Which is right for you?  Learn more here. The post Prudential Compares Chronic Illness Solutions appeared first on Insurance Designers of America.

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With a bit of planning, consumers can help reduce the effect of taxes on their retirement accounts. This flyer shows the different ways a consumer’s retirement accounts can be taxed, and how life insurance can be a powerful tool to help diversify their taxes and protect their legacy. The post Protective Shows Consumers How to Manage Their Tax Risk in Retirement appeared first on Insurance Designers of America.

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Do you need life insurance and are concerned about the potential financial impact of a chronic illness? Check out this infographic to help you plan for an uncertain future.  Learn more. The post Prudential Wants to Start the Important Chronic Illness Conversation appeared first on Insurance Designers of America.

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Allianz Releases Their “Strength” Video

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The Allianz Life Insurance Company of North America (Allianz) strength video, shares the strength of their mission, the strength of their relationships, and the strength of their integrity in under two minutes. Watch now. The post Allianz Releases Their “Strength” Video appeared first on Insurance Designers of America.

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Tax season is a great time to discuss the advantages of an IUL policy. Our newly updated Tax Bracket Risks brochure helps explain the future tax benefits to consumers. The post Mutual of Omaha Updates their Tax Bracket Risks Brochure for 2020 appeared first on Insurance Designers of America.

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Global Atlantic is a proud sponsor of Life Happens, an organization dedicated to inspiring consumers to take personal financial responsibility through the ownership of life insurance.  See the touching video here. The post February is the time to ‘Insure Your Love’ via and Global Atlantic appeared first on Insurance Designers of America.

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Americans will Spend $27 Billion On Love

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That’s the amount of dough that will shelled out on Valentine’s Day this year. You can purchase a gift more precious than candy, flowers or a fancy dinner: Love Insurance.  Check out this infographic from Legal & General. The post Americans will Spend $27 Billion On Love appeared first on Insurance Designers of America.

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The 2020 Tax Reference Guide is now available.  This year, a special section is added which summarizes noteworthy changes as a result of the SECURE Act. Read more. The post National Life Updates their Tax Reference Guide for 2020, including SECURE Act Highlights 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.