Cenco Insurance Marketing Corporation
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Cenco eNews
November 26, 2019
Protecting What Matters With QoL Max Accumulator+ IUL!

Modern cash-value life insurance isn't your grandparent's whole life policy. By leveraging the power of QoL Max Accumulator+, you can help clients protect what matters and create tax-efficient, supplemental retirement income. Check out the Concept Flyer...

2017 CSO Version of Lifetime Builder ELITE IUL Is Now Available!
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...

2019 Year-End Process Dates and Holiday Schedule

Carrier Rewards Programs:

Carrier Incentives: Travel the World With Cenco!

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. Stay tuned for December's webinars.

DI Tip Of The Week
Are Your Clients IDI Policies Keeping pace With Their Life Stages?
If they are not, your clients could be susceptible to gaps in income or lower payments, should they need to use their individual disability insurance benefits. As part of your ongoing counsel, it's important to check in with clients to ensure their policy reflects their current life stage.

  • Conduct a benefits checkup. Use this time to ask more probing questions about what's happened since you last met. That recent job change may improve their occupation class and affect their disability premium.
  • Working with the carrier to understand their options as their career develops is a good thing to check on, as well. Adjustments to a policy can mean lower premiums, while still ensuring that their income is protected.
  • Remind them of policy features. Your client's occupation and income needs most likely dictated the way you structured their initial policy. For policies that include strong core income features, it is important to remind clients of these details and how to take advantage of them.
While most clients hope they never have to use their IDI policy, it's crucial that you help them ensure their policy matches their current life stage. Not doing so could leave them susceptible to gaps in income or lower payments, should they need to use their benefits.

Contact the CENCO TEAM:
Erik Sjolie, Cathy Martin and Brianna Solano

Cenco Insurance Marketing Corporation
1501 El Camino Ave, Suite 1
Sacramento, CA 95815

Phone: (916) 920-5251
Fax: (916) 920 8734


For Producers Use Only. Not for use with clients