Consistent protection, performance and results have made Global Atlantic's Lifetime Builder ELITE IUL product one of the best-selling IULs for over a decade. That consistency remains intact - as the 2017 CSO version of Lifetime Builder ELITE IUL is now available! For more information go to www.globalatlanticlife.com/demand.

AIG's Multi-Year Guaranteed Annuity Rates Have Increased!
These single premium tax-deferred fixed annuities with multi-year guarantees offer 4,5,6,7 or 10 year initial interest rate guarantee options with up to 15% free annual withdrawals after one year. Take a look at this great current rate to help put your clients in control of their retirement.

Fire Sale!!! QoL Guarantee Plus II UL Rate Increase Coming!
Starting December 7, 2019, the premiums on the QoL Guarantee Plus GUL II will increase an average of 4% for level pays and 9% for single and 10 pay scenarios. If you are in discussions with a client that includes the QoL GUL II now is the time to make the sale. You may also want to take a look at your QoL Flex Term and Select-A-Term clients and try doing a term conversion. To receive current rates, applications must be received on or before December 6th. See the Bulletin...

All QOL Products Are Now Available With 2017 CSO Mortality Tables
Please note that some pending open cases remain for policies based on the previous mortality tables (2001 CSO). These include applications submitted before the 2017 CSO version of the requested product was available. 2001 CSO policies must be issued with an effective date of no later than December 31, 2019. Your dedicated Case Manager will work closely with you to identify and monitor your pending 2001 CSO cases, and develop a plan geared for your agency's unique case needs. Read the bulletin...

Transamerica's Top Two Risk Classes, Now Even More Competitive
Next week, Transamerica is making some exciting pricing changes to Trendsetter Super term life insurance. These updates will improve rates across preferred and preferred plus risk classes. See for yourself and check out the transition guidelines.

2019 Year-End Process Dates and Holiday Schedule

• AIG Partners Group
• American National
• Global Atlantic

Carrier Rewards Programs:

• AIG Partners Group - 2019 QoL Bonus

Carrier Incentives: Travel the World With Cenco!

• Travel with AIG Partners Group to Park City, Utah for the 2020 Leaders Development Conference
• Travel with Transamerica to Cancun, Mexico for the 2020 Convention
• Travel with Ameritas to the Greenbriar Resort in White Sulphur Springs, West Virginia for the 2020 Leaders Conference (Watch The Video)
• Travel with Ameritas on a Danube River Cruise for the 2020 Summit (Watch The Video)
• Travel with Accordia to Maui, Hawaii for the 2020 Leaders Club

AIG Partners Webinars
AIG Partners Group frequently host product training and sales concept webinars every week for their producers. All webinars are complimentary and recorded for future viewing in AIG Campus (formerly Career Campus) located within Connext. Join the webinar on "10-10-10 Sales Concept" on November 20th at 12:00 P.M. PST

DI Tip Of The Week
Buy/Sell Disability Insurance is important coverage for many business owners and partnerships. It can pay monthly or lump sum proceeds to business owners who need to buy out a permanently disabled partner. Most clients will understand the value in Buy/Sell - making it a fairly straight forward sale.

When pitching Buy/Sell, don't forget to discuss waiting periods. Buy/sell policies typically have a 12+ month elimination period - meaning benefits won't be available until the partner has been permanently disabled for one year. Your client will need to have savings or other assets available to keep the business running during the waiting period. When Buy/Sell coverage tag teams with Key Person Disability Insurance, your client will have the necessary funds to keep the business running. This DI dynamic duo works hand-in-hand to protect your client's business and their paycheck.

Call Cenco for more information.