| We invite you to take advantage of our expertise to expand your markets. CPG has direct access to the latest products combined with aggressive underwriting and personalized service. Along with a substantial core of insurance carriers, and a diverse product base, our experience and production volume enables us to solve your problems, and grow your business. We welcome the opportunity to do business with you. |
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Congratulations Phil Goodman! William Penn Life Insurance Company of New York bestowed its highest honors at its annual Penn Golf Classic on August 4, 2011. Phil Goodman, a Principal at CPG, received the Paul Goodman Award given to general agents who "reflect the innovative spirit and commitment to the brokerage distribution system exhibited by the late president of William Penn and Phil's father."
Privileged Choice Flex combines innovative new features with a modular design that makes it easier to customize a long term care insurance solution for clients. As you learn more about Privileged Choice Flex, you'll see how it is Refreshingly Flexible for you and your clients. Check with us for state availablity.
CPG can now offer your clients excess coverage for the following;
SPECIAL NEEDS PLANNING Did you know that 1 in 5 families have special needs? If you care for a person ( or know someone that does ) with a disability or other special needs, it's important that you look beyond their medical care attention and the help that is provided on a day-to-day basis. How you/they prepare for their financial well being will make a tremendous difference in lifestyle's now and when you are no longer caring for a loved one. To talk to a Special Needs Specialist call Phil Goodman at 516-364-7171 or 800-377-4776
XRAE Risk Evaluation Quoting Software is now available Register Now!
DO YOU KNOW WE HAVE.......
Tired of Telling Clients They Don't Qualify? Declined - Postponed - Denied Multi-Life Long Term Care Insurance means "never having to say you are sorry"
Final New York Producer Compensation Disclosure Regulation Published Regulatory Alert!
Start Quoting Term & UL and Take an Application Today using your Smartphone! Install on your iPhone, iPad, Blackberry or Droid
Boost Your Life Settlement Business "5:15:500" Program for CPG Brokers 5 Minutes to complete a 1 page questionnaire 15 Minutes for tele-underwirting to pre-qualify an insureds LE Face amounts of $500,000 or less only Call us so we can e-mail you the questionnaire 516-364-7171 or 800-377-3776
MoneyGuard Reserve & Total Living Coverage
The State of STOLI Laws STOLI PROMOTERS ON THE RUN December 2009 - NEW YORK STATE outlaws STOLI October 2009 - California has enacted a bill aimed at regulating life settlements and imposing a state ban on Stranger Owned Life insurance. The new law, S.B 98,prohibits policy owners from entering into a life settlement for 2 years after a policy is issued. Legislation to curb STOLI transactions has now been enacted in 26 states and is pending in 13 others. June 2009 - Washington State passed a life settlement bill that includes an unprecedented provision requiring insurers to provide seniors with fair and reliable information on life settlements as an option after the lapse or surrender of their life insurance policies. The new law also classifies stranger-originated life insurance ( STOLI ) transactions as a fraudulent practice and bans life settlement agreements within two years of the policy being issued.
CARRIERS TAKE ACTION
Lincoln National sues a California physican claiming he misrepresented his circumstances when he applied for $30 million of STOLI insurance. AXA files a suit in federal court in Florida against several insurance brokers and the trustees alleging that they obtained $73 million in fraudulent Stoli policies.
Agents Fired for Selling IOLI New York Life has fired an undisclosed number of "top" agents over the past several months for selling so-called investor owned life insurance policies, according toInvestmentNews.com The company has also rescinded the policies. The move is the latest twist in efforts by insurers and regulators to prevent third parties from using life insurance as an investment wechicle rather than as a way to provide protection to families and businesses.
"If you try to circumvent insurable interest laws, you'll get caught. And if you lie or omit information from an application, then you've engaged in insurance fraud, which is punishable by jail time." Stephen Leimberg at LIMRA International's Advanced Sales Forum
Weekly E-News from The Marketing Alliance: Feb 1, 2012
OTHER NEWS Long Term Care Ins Carriers are making changes in both rates and benefits. Prudential, Genworth, Transamerica, John Hancock and Mass Mutual have or will be making adjustments. Call us for the most up to date information on LTCI. As Ron Hagelman recently said, "The Market is shrinking for now,both companies and benefits. The Fire Sale for LTCI proceeds apace ! The urgency to lock in protection is real."
POLICY REVIEW OPPORTUNITY Taxable Life Insurance? Many business owners are unaware of the requirements for employer-owned life insurance contracts, EOLI. If notice and consent requirements were not met, a portion of the proceeds will be taxable. Fortunately, recent guidance provides business owners a second chance for meeting the requirements!
Call us for Marketing Review Kit
Carriers have improved their Foreign Travel guildlines.If you have people traveling or living abroad call us. Do you have clients that travel to Israel? We can obtain life insurance for them. |
Click here for FREE MANDATORY Anti-Money Laundering Training
The Underwriter is in! Click here for the NY Office New Exclusive Broker Feature
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• • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • CPG Provides:
There is no better insurance source for brokers than Comprehensive Planning-Goodman, LLC. With each of our principals having at least 32 years of insurance experience, CPG has the expertise and resources to help you provide your clients with the best solutions to their insurance needs. We represent the leading insurance companies and have direct access to a broad spectrum of diverse products for your clients. And equally as important, we understand how to make your job easier, by providing you with unparalleled personalized service that helps you do your job quicker and more efficiently. With the extensive resources of CPG, you'll be able to concentrate on the things that matter the most for your business: keeping your clients satisfied, increasing your sales and expanding your markets. Working together, we can ensure that your clients' insurance needs are met successfully, and that you continue on the road to success within the insurance industry. We Know the Industry We have financial data on 500 life insurance companies, providing you with the latest information in the industry. And, as members of Diversified Marketing Group, Inc. and The Marketing Alliance, Inc., national organizations of affiliated agencies representing many other life insurance carriers, we are constantly kept up-to-date on important developments and changes within the insurance industry that are passed on to our brokers. Not only do we have decades of experience in insurance sales, but our principals also have extensive pension expertise, as well as technical expertise in estate planning, deferred compensation and business insurance markets. This wealth of industry experience translates to providing you -- and your clients -- with the highest level of knowledge and service. We Know What Brokers Want...And Need At CPG, we have direct access to the latest products that insurance buyers are seeking. And our products are priced competitively, helping you offer your clients the most cost-effective insurance options. In addition, our personalized service and superior skill and success in impaired risk underwriting provides our brokers with an additional advantage in meeting the needs of their clients. We also understand how important Long-Term Care Insurance is becoming for many of your clients. CPG offers a broad spectrum of long-term care benefits at Skilled, Intermediate and Custodial levels, and can help you offer your clients the right program for each individual case. We are proud members of the following professional associations:
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