As of February 1, QoL Flex Term will be even more competitive in some of the most popular issue ages and classes. Read the bulletin for transition rules.

Standard's Platinum Advantage IDI Is Now In California!
The Platinum Advantage offers flexibility through various riders that help clients tailor their coverage to fit their needs and budgets. See the differences between the Protector Platinum and the Platinum Advantage. Check out the Transition Rules.

AIG Partners Pending Business Tips
Check out the pointers and best practices to keep your cases flowing smoothly.

Helpful Exam Tips For Your Applicants
The paramedical exam is an important step of the life insurance process. By following these simple steps, applicants will feel prepared and achieve more optimal laboratory test results.

Applicants should:

• Get a good night's sleep
• Stay hydrated
• Document all current medications
• Notify the examiner of any past blood draw issues

• Consume salt or high cholesterol foods up to 24 yours prior
• Exercise vigorously up to 12 hours prior
• Drink alcoholic beverages up to 12 hours prior
• Use nicotine or caffeine up to one hour prior

Transamerica's New Whole Life Solution!
Transamerica Lifetime is whole life insurance with triple guarantees - guaranteed level premiums, a death benefit, and cash value. It's flexible, offering optional living benefits and competitively priced term riders. It also includes an enhanced process featuring the iGO-eApp and Express Protect Underwriting. It's a great option for clients who want guarantees and more cash value than guaranteed universal life policies can offer.

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 Transamerica to Montego Bay, Jamaica for the 2021 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 "QoL Accelerated Benefit Riders" on Wednesday, January 22nd at 12:00 PST.

DI Tip Of The Week
When your client purchased an individual disability income insurance policy, they may have made a wise choice and added a Future Purchase Option Rider. With this rider in place, they can keep the amount of their individual disability insurance protection aligned with increases in their income. If their policy anniversary is approaching, then this is a great time to review their coverage to see if exercising the Future Purchase Option should be their next move!

Call Cenco for a quote!