Frequently Asked Questions

We’re Here to Answer Questions

In this section, you’ll find answers to common questions our clients and potential clients ask. Wondering about something we didn’t cover? Call us and we’re happy to speak with you. You can also submit your question by clicking here. We promise to contact you promptly.

 

Revolutionizing the Audit Process: CPI Companies Inc.

Through Policyaudits.com, CPI Companies has revamped the life insurance policy audit process and identified better life insurance options for hundreds of clients. Three dynamic people – Ron Sussman, Tricia Pilone and Gary DeVicci – started CPI Companies in 1991 and today are nationally recognized as leaders in the insurance industry. Not affiliated with any particular insurance company, CPI Companies acts as trusted brokers for all.

They created Policyaudits.com to fill an important gap in the industry for expert, impartial life insurance audits. Their proven five-step process has produced exceptional results for hundreds of clients. Every client takes advantage of one of the world’s best win-win scenarios: they either find a better performing, less expensive policy or the extraordinary peace of mind that comes from knowing they have the very best life insurance coverage.

Get that peace of mind yourself by starting the audit process.

 

What Happens Before the Policy Audit?

You contact us.

 

 What Happens After the Policy Audit?

For ninety percent of our clients, we identify modifications that can improve their life insurance coverage. Should you choose to pursue modifications through us, we plan the entire process and guide you every step of the way: scheduling medical testing, interfacing with our underwriters, ensuring that test results are correctly interpreted and overseeing modified policy development. Rest assured that, as long as you qualify medically, we nearly always achieve the recommended modifications.

Most clients also conclude their audit by scheduling their next audit to occur in 12 months. Yes, we often identify better life insurance options for clients who made policy changes just a year previously. We also offer an exclusive renewal program that notifies clients when it’s time to conduct a new audit. We automatically send out the necessary forms and check in personally to follow up. For clients who made policy changes through us, annual audit updates are completely free.

 

 

Do I Have to Provide My Policies?

Yes, we do require that you provide all documentation for your current life insurance coverage. These documents are essential to understanding your existing coverage and finding possible modifications that can improve your benefits and/or reduce your costs.

Many clients ask this question because they’re concerned about safeguarding their privacy and confidentiality. We have stringent procedures in place for protecting your information and identity. For instance, we strip identifying information from any files we send out to insurance underwriters as part of the process of identifying better coverage for you. We’re happy to further discuss the many methods we instituted to ensure complete confidentiality.

Let’s talk about how we can make your policies better fit your life and goals.

 

Do I Have to Provide my Medical Records?

Yes, we do request a limited power of attorney to contact your medical team and obtain your medical records. This is essential for two reasons:

  • Our experts must assess your coverage and possible modifications against your actual health status. Because medical underwriting has changed a great deal, our experts often find that client medical records provide unexpected opportunities for improving coverage, even for those clients who have had challenging health conditions.
  • We’re skilled at evaluating testing results and ensuring that underwriters interpret them correctly as they develop policy modification options.

Many clients ask this question because they’re concerned about safeguarding their privacy and confidentiality. We have stringent procedures in place for protecting your personal information and identity. For instance, we strip identifying details from any files we send out to insurance underwriters as part of the process of identifying better coverage for you. These providers know only anonymous particulars about your health – weight, smoking history, age and so on – but these particulars aren’t connected with your name or other critical identity information.

 

Start an audit now and we’ll guide you every step of the
way with complete confidentiality.