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.

require(["mojo/signup-forms/Loader"], function(L) { L.start( {"baseUrl":"","uuid":"cec3dfe52947d858e5c3684ac","lid":"bfeca99b19"} )})

“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...

Retirement Solutions from AIG

By Feed | Insurance Designers of America
Read AIG’s idea to see how clients can build an income bridge to help maximize Social Security benefits with the Assured Edge Income Achiever.
The post Retirement Solutions from AIG appeared first on Insurance Designers of America.
Read more

North American Blog Post: Life Insurance at Any Age

By Feed | Insurance Designers of America
Life insurance is an important part of overall financial planning at any age. This blog post was created for their clients who are considering purchasing life insurance in their 20s, 30s, 40s, and beyond.
The post North American Blog Post: Life Insurance at Any Age appeared first on Insurance Designers of America.
Read more

Nationwide Economic & Financial Monthly Review

By Feed | Insurance Designers of America
The economic boom is here! Job gains fall short in April, but economic growth remains strong. What’s happening and why in the economy and financial markets. Click here for the full report!
The post Nationwide Economic & Financial Monthly Review appeared first on Insurance Designers of America.
Read more

Inflation Takes Off

By Feed | Insurance Designers of America
The core CPI was much stronger than expected in April.  To learn more in Nationwide’s Economic Commentary, click here.
The post Inflation Takes Off appeared first on Insurance Designers of America.
Read more

Check out OneAmerica’s 2020 Annual Report

By Feed | Insurance Designers of America
Learn more about OneAmerica’s various divisions and how as a company we came together during 2020 and continued our ongoing commitment to serve our customers. Click here to virtually explore the Annual Report.
The post Check out OneAmerica’s 2020 Annual Report appeared first on Insurance Designers of America.
Read more

Women Need Life Insurance More Than Ever

By Feed | Insurance Designers of America
Women often play multiple critical roles within the family, as income providers, caregivers and financial decision-makers. It’s important for them to consider their coverage options and needs as things change. Legal & General produced this consumer flyer to illustrate the potential needs.
The post Women Need Life Insurance More Than Ever appeared first on Insurance Designers of America.
Read more

May is for Moms: Celebrate with Simple Acts of Love

By Feed | Insurance Designers of America
Legal & General shares with clients how the little things we do for our loved ones show we care. From picking up flowers to providing financial security with a life insurance policy, it’s the simple acts of love that make the biggest impact. Read more here.
The post May is for Moms: Celebrate with Simple Acts of Love appeared first on Insurance Designers of America.
Read more
John Hancock Vitality members can now earn 400 Vitality Points, simply by sharing proof of their COVID-19 vaccination.
The post John Hancock Vitality Members Can Now Earn Points for COVID-19 Vaccination appeared first on Insurance Designers of America.
Read more

Capital Market Insights: Millennials

By Feed | Insurance Designers of America
Millennials have warmed to stocks, but many remain wary of risk.  Nationwide’s latest report from their Nationwide Capital Markets research group explores how COVID-19 has affected Millennial attitudes toward investing.
The post Capital Market Insights: Millennials appeared first on Insurance Designers of America.
Read more

The Gift of Giving

By Feed | Insurance Designers of America
Many grandparents would like to make substantial gifts to their grandchildren but living on a fixed income can make them difficult. With the purchase of a level payment whole life policy based on their lives, grandparents can maximize their gift and guarantee the death benefit. Click here for more information from SBLI!
The post The Gift of Giving appeared first on Insurance Designers of America.
Read more

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...

Read more

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...

Read more

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. ...

Read more

We're Social

Stay Connected with Us

Contact Us

Leave Your Contact Information Below

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.