Insurance is often considered boring when compared to the stock market. "Protection" is an industry buzzword. Then the stock market hits an air pocket. What's an insurance agent to do?

What Do You Do When The Market Drops 1,000 Points?
Market volatility is a part of investing, but there are ways to make sure you have some protection in a downturn.

AIG Partners Informal Application Process
With the informal Application process, AIG's underwriters will review detailed case histories before the full application is submitted. This allows your clients to await the review without having to complete medical requirements until you and they are sure how to proceed. Check out the Quick Reference Guide.

AIG Partners New Process For Clients That Require An APS Due To Age And Face Amount
AIG will now order the APS prior to receipt of the paramed exam with the following guidelines:

• Complete physician detail, name, address, and phone number on the Part B or Coversheet/Transmittal
• Date of last visit within 5 years (If the client has not had a doctor visit within the last 5 years, AIG will not order records until after the underwriter's initial review

Strong Early Income With Income 150+ SE Fixed Index Annuity
Income 150+ offers all of the interest crediting potential and protection from market losses of a typical fixed income annuity (FIA), with competitive income factors for single or joint income. Five reasons to take a look...

Carrier Rewards Programs:

• AIG Partners Group - 2020 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 AIG Partners Group to Kimpton Seafire Resort and Spa in Seven Mile Beach, Grand Cayman for the 2021 Leaders Development Conference
• Travel with Transamerica to Cancun, Mexico for the 2020 Convention
• Travel with Transamerica to Montego Bay, Jamaica for the 2021 Leaders Conference
• Travel with Ameritas to the Terranea Resort in Southern California for the 2021 Leaders Conference
• Travel with Ameritas to Scotland for the 2021 Summit of the Inner Circle
• Travel with Accordia to Montage Deer Valley in Park City, UT for the 2021 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. Stay tuned for the March Webinars.

DI Tip Of The Week
The need for an income protection plan is not just for the executive, doctor or attorney earning in excess of $150,000. According to the United States Census Bureau, the average annual income was $51,017 from all occupations. Everyday working people (Middle Americans) are just as dependent on their income to provide for themselves and their families as anyone in those higher tax brackets.

The opportunities are endless - reach out to your existing clients, friends and family - ask if they have an income protection plan in place should they get sick or hurt. You can offer an affordable plan to protect them and their family. Most life insurance agents, health insurance agents and P&C brokers are not talking to their clients about income protection and how affordable it can be. You can differentiate yourself as an advisor just by offering this valuable coverage to your clients - coverage that likely no one has spoken to them about previously.

Call Cenco today and let us help you design your next DI case.