about

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.

DO YOU KNOW WE HAVE.......

  • Table 3 to Standard for UL
  • Preferred Plus for Cigar Smokers
  • Return of Premium Term and Short Pay ROP Term
  • Face Amounts as low as $5,000 WL, $25,000 UL & $50,000 Term
  • 24/7 On-Line Term Quote System with Forms
  • Carriers that don't look at family history for Cancer
  • Large Case Capacity to $134 Million
  • The Best TeleLife Program
  • On-Line Application Submission
  • 30 Year Term Issued to Age 65
  • 20 Year Term Issued to Age 75
  • Impaired Risk DI
  • Hybrid Life & LTC Products
  • Non-Med Term up to $350,000
  • Final Expense Policy- No Med,Blood or Urine
  • Agent Gift Referral Program

 

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"

  • Modified Guarantee Issue at 3 Lives
  • NO Health Questions at 10 Lives
  • Simplified Issue for Spouses
  • Full Individual Commissions for ALL list bills
  • Comprehensive Enrollment Service Available

 

SEC RULE 151a DEAD

On Monday, July 12 the United States Court of Appeals for the District of Columbia vacated SEC Rule 151a in the case of American Equity v. SEC (No. 09-121).

The three judge panel vacated Rule 151a in lieu of granting the petitioners’ request for a rehearing on the matter, citing the SEC’s failure to appropriately “consider the effect of the rule upon efficiency, competition, and capital formation.”   Rule 151a will not go into effect and jurisdiction to regulate fixed indexed annuities will continue to remain with the states.  The SEC has not indicated if it will pursue the matter further, though it has the option of either appealing the decision to the U.S. Supreme Court or rewriting the rule.  It  should be noted that the Wall Street Reform and Consumer Protection Act (H.R. 4173) set to be passed by Congress into law this week also contained language that would keep regulation of these products within the states.

 

 

Final New York Producer Compensation Disclosure Regulation Published

The final New York insurance producer disclosure regulation was published on February 10, 2010, to take effect January 1, 2011. It includes requirements that the AALU believes will decrease life insurance coverage, hurt sales and cost jobs without benefiting consumers - particulary notifying customers they can obtain the anticipated amount of producer compensation from a sale and providing it if requested. The state insurance department will issue guidance on compliance prior to the January 1, 2001 effective date. Click here to view the regulation.

 

 

    

OPTerm and Penn Term Rate Reductions and Retention Up

$2 million Term Band is GONE. Rates now super competitive.

Improvements to Underwriting Criteria and Certain Impairment Guidelines.

  • All term plans - 10,15,20 & 30
  • Male & Female Rates
  • Preferred Plus NT, Preferred NT and Standard Plus NT
  • Minimum Face Amount $100,000
  • Retention Increased Up to $2 million

 

 

Life Choice UL

The #1 UL in the Industry Today

Your Whole Life Alternative

Guarantee premiums, death benefit and cash values

  • Extremely competitive level pay to age 121
  • Extremely competitive short pays
  • Available for conversion - limited time only
  • Guaranteed minimum cash values

 

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

 

 

 

  • Easy agent appointment
  • eDelivery of Policies
  • Low Term Rates
  • Fast UW Turnaround

CPG can now offer you BIG UL,

PlanRight and Non-Med term to $350,000 through age 55

 

The Future Has Arrived!

New Life & LTC CASH Combination Policy

Agents Call today for a marketing kit and a free training CD.

 

 

               

Term Insurance

$50,000 to $350,000 simplified underwriting. NO BLOOD, NO URINE, NO EXAM & NO APS.

Issue Ages 18-55

Issued Standard Nontobacco & Standard Tobacco.

 

 

Limited Time Offer!

Free Updated Field Guide to Medical Underwriting

E-Mail CPG at geri@cpgllc.com

 

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'veengaged 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:  September 1, 2010

 

 

SALES HELP

 

 

 

 

 

 

 

CARRIER NEWS

 

 

 

LIFE INSURANCE

 

  •       Banner Life: OPTerm & Life Value Term now available in MT

 

  •       Banner & William Penn: Life Value Term
    Life Value Term’s modest initial premiums and gently sloping manner is often just what families need to get the right amount of coverage for the right length of time.  And now, it has new, lower rates. 

 

 

  •       North American: Energize your IUL sales!
    Builder IUL – When long-term cash value accumulation matters most.

Guarantee Builder IUL – Offers guaranteed death benefit protection.

Rapid Builder IUL – Financial protection and an opportunity for early cash value growth.

 

 

 

 

ANNUITIES

 

 

 

 

 

 

 

 

  •       West Coast Life: 4-year guaranteed period suspended for Sure Advantage fixed annuity
    Effective August 31, the 4-year guaranteed period will no longer be offered with the Sure Advantage fixed annuity.  Applications signed prior to August 31 and received by September 17 may still allocate investments to the 4-year guaranteed period.  Guaranteed periods of 5-10 years will continue to be offered for applications written on or after this date. 

 

 

LONG TERM CARE

 

  •       American General: LTC Shared Care Benefit Rider
    Give your married clients added protection.  The Shared Care Benefit Rider offers couples access to a separate third pool of benefits; which means when one spouse needs additional coverage, the healthy spouse’s benefits go untouched until they need to be claimed. 

 

 

APPLICATIONS, FORMS & UNDERWRITING

 

 

 

 

 

 

 

AGENT INCENTIVES

 

  •       American General: 5 Point Play!
    American General is offering a 5 point increase on Universal Life compensation to the writing agent on select Universal Life products.  This program is effective with policies issued between June 15th and December 31st.  Click here for details.

 

  •       American General: 2011 Business Development Conference for Producers
    Get
    excited about doing business with American General with their 2011 Business Development Conference for Producers.  For agent level writing producers only, it will be held May 10-15, 2011, in spectacular Killarney, Ireland.  Click here for details and rules.

 

  •       American General: Double Conference Credit EXTENDED to December 31st
    Let ContinUL help you get to Ireland for the 2011 Business Development Conference! Now, earn double conference credit on sales of ContinUL submitted between February 17th and December 31st.  Click here for details.

 

  •       North American: 2011 Partners in Success
    Agents who produce $25,000 in paid annualized premium between May 1st and October 31st will earn an invitation to the 2011 Partners in Success meeting in Wynn Las Vegas.  Click here for details.  AND NOW, earn double conference credit for paid IUL cases between May 21st and October 31st.  Click here for more.

 

  •       North American: Design Your Own Trip!
    The annuity business your agents write annuity business with North American between August 10th and October 29th earn them travel rewards to put towards their next trip.  The more they sell, the farther they can go!  Click here for complete details.

 

  •       RBC: Individual Incentive Program
    The 2010-11 RBC ExTRA Individual Incentive Program rewards top producers for annuity sales with three tiers of qualification.  Rewards include ExCITING destinations and an ExCLUSIVE, Top Producer Award!  Click here for complete program details.

 

  •       Symetra: 5 for $500 Contest
    Sell 5 Symetra life insurance policies and you can earn an extra $500 in commission!  Be one of the first 50 insurance producers to issue 5 life policies before December 31, 2010. All applications must be submitted between July 1st and September 30th.  Click here for contest rules.

 

  •       United of Omaha: Mutual Sales Leaders Vancouver 2011
    Your business to Mutual of Omaha could earn you a trip to the Mutual Sales Leaders in Vancouver in 2011.  Click here for complete details!

 

  •       United of Omaha: Circle of Excellence trip to Istanbul 
    The business your organization places with Mutual of Omaha during 2010 can be your ticket to Istanbul next spring. You have the opportunity to earn up to eight invitations, plus an invitation to the prestigious Inner Circle.  Click here for details on how to qualify.

 

 

OTHER NEWS

POLICY REVIEW

OPPORTUNITY

Taxable Life Insurance?

A new law in the Pension Protection Act may lead to taxation of the death benefit of Employer-Owned Life Insurance, IRC 101(j). This new law will affect all EOLI policies issued after August 17, 2007 regardless of what the purpose of the life insurance is; key person, split dollar, deferred compensation, as well as employer-owned policies bought to pay debts, etc. Call us for Marketing Review Kit

 

 

Union Cental's Guaranteed Standard Issue (GSI) Disability Program - Most executives need more income protection than a group LTD plan provides. An employer sponsored disability plan using Non-Cancellable DI contracts will meet this need. No financial documentation, No detailed medical underwriting and additional premium discounts.

 

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.




































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The Underwriter

The Underwriter is in!

Click here for the NY Office
Click here for the FL Office

New Exclusive Broker Feature
Check your own case status 24/7. Simply send us an email with your name, company, and phone number and we'll supply you with a unique username and password for use on our site.
[click to email]

John Hancock LTC Tools

Presidential Life
Presidential Life Insurance Company
Impaired Risk DI Program

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Click here for our Mission Statement

PHOTO

CPG Provides:

  • A multiple company approach
  • Access to a broad spectrum of excellent products
  • Technical expertise in estate planning, deferred compensation and business insurance markets
  • Specialized marketing programs such as IRA alternatives, Personal Pension Plans, and simplified issue exchange
  • A term spreadsheet program saving you time and effort
  • A Long Term Care Insurance program that allows you to compare the major LTCI carriers
  • Application forms on demand
  • Financial data on 500 life insurance companies
  • Superior skill and success in impaired risk underwriting. Quick quotes within 24 hrs.
  • A competent experienced supportive administrative staff, allowing you to concentrate on sales
  • The latest in computer software and hardware support
  • Members of Diversified Marketing Group and The Marketing Alliance, national organizations of affiliated agencies representing many other life insurance carriers
  • Member of Republic Marketing Group, a national organization representing all of the major Long Term Care Insurance carriers
  • Competitive commissions
  • An interactive web-site
Helping Brokers Succeed in the Insurance Marketplace

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:

National Association of Independent Life Brokerage Agencies
The Marketing Alliance, Inc.
Diversified Marketing Group, Inc.

The National Association of Insurance and Financial Advisors
The National Association of Health Underwriters
New York City Association of Insurance and Financial Advisors
Nassau County Association of Insurance and Financial Advisors
Gold Coast Association of Health Underwriters


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