Individual Life Insurance Brokers

Expand your opportunity with a great resource for Individual Life Insurance

A long time compliment to PGP Benefits, PGP Life provides an outlet for our brokers and agents to place Individual Life Insurance business. Here are some product highlights:


  • Whole Life
  • Term
  • ROP Term
  • Second to Die
  • Accidental Death
  • Guaranteed Issue
  • Multi Life Whole Life/Universal Life/Term Life
  • Executive Term Coverage

Long-term Care

  • Individual
  • Multi-Life
  • Linked benefits
  • Long-term Care Alternatives including Home Healthcare Plans


  • Multi Year Guaranteed
  • Traditional Fixed
  • Indexed Annuities
  • Single Premium Immediate Annuities
  • Annuities with Lifetime Income Riders
  • Ask us about leveraging Tax Qualified Money Too!


  • Individual or Multi-Life
  • Extraordinary Risk
  • Business Over Head
  • Disability Buy-out
  • Lump Sum
  • Excess Disability

Business and Personal Financial Planning

With expertise in both business and personal financial planning, our experienced team will help you with uncovering your needs, marketing to prospects, case design, sales support, application and replacement assistance, underwriting, policy issue and policy service.

Here are some highlights of how our experts can help you.

Personal Solutions

  • Income replacement
  • Mortgage protection
  • Disability income replacement
  • Long-term care planning
  • Estate Planning

Business Solutions

  • Buy/Sell agreements
  • Key-man insurance
  • Split Dollar
  • Advanced retirement alternatives
  • Retirement or pension completion

Alternative Solutions

  • Pension Maximization
  • Retirement income planning
  • Term conversions and alternative continuation
  • Life Settlements
  • Charitable giving


Request a Custom Quote

Our experts will help you find the best solution to meet each client’s specific needs.

For a customized quote contact Jim Capuano by phone at 631.951.9200 ext 142 or email

Please download and complete the appropriate form below and include with your email.

iPipeline Quoting Portal

You can also Run A Quote on the iPipeline portal and directly access the information you need like forms, product information, and underwriting guidelines.

Click on the links below for direct access to iPipeline.

Business Valuation

What is your business worth? You and your clients can find out through our simple, thorough process for a fraction of the cost and time of traditional off-line methods. Understanding of one’s business value is perhaps the key ingredient when aiming to undertake a host of strategic activities and decisions.

Click here for a Sample Business Valuation Report.

If you are interested in a Business Valuation Report select the appropriate form below for the business, complete and email to


Professional Corporation





Sole Proprietor

Learn More About PGP Life

We are happy to tell you more about PGP Life or answer any questions you may have.

For more information contact Jim Capuano by phone at 631.951.9200 ext 142 or email

Delivering Value.

Here’s what PGP Brokers are saying about working with us.

In the perceived commoditized market of life insurance, attention and service is paramount. Jim Capuano of PGP stands head and shoulders above the rest!

Wayne D.

Jim and Kathi’s support from the beginning to the end of the sale is a pleasurable experience, must be a PGP thing!

Gene H.

Jim has helped me take my non-variable business to the next level. He’s helped me and my clients by always knowing what the best product will be for each individual situation. His turn-around time on illustrations, quotes, or forms saves me time and allows me to continue to prospect and sit with clients. Kathi is fluent in each carrier’s forms and underwriting criteria. She helps makes the process seamless and if there are issues she knows what needs to be done to resolve them. For any advisor looking to grow their life practice I’d suggest giving this team a try.

Fred A.

It is always a pleasure working with Jim. He is very knowledgeable and his turn-around time is extremely fast for both quotes and questions. I have recommended him in the past and will continue to recommend him whenever possible.”

Megan H.

Both Jim Capuano and Kathi Lettenberger continue to exceed our expectations as our preferred Life Insurance General Agent. They are readily available and take a proactive approach in placing each case we submit. I highly recommend the services they provide.

Dan R.

Jim Capuano and his team at PGP Life have demonstrated great due diligence and product knowledge which has enabled my firm to better serve our clients.

Jeff G.

Jim and Kathi are very responsive and make selling life insurance very easy.

Jamie S.

Request a Complimentary Consultation

We’d love to hear from you. Our team welcomes the opportunity to work with all brokers looking to enhance, streamline, and grow their benefits business. Simply fill out the form below and an Employee Benefits Consultant will get back to you.